If you see an option to Invite Your Friends in your app, then you’re eligible for our referral program.

Pro tip: You can unlock referral access by using your Step card 💳 So you know, you can invite up to 5 friends to Step at this time.

Not only can you earn $$$, but once your friends join you on Step, you can instantly send and receive money from each other. Maybe you could even convince them to pick the same color card as you 😉 💗 💛 💙!


How do I refer someone?

1. Invite

Your first step is to send your friend your unique referral link. Here's how:

  • Tap on the menu icon in the top-right corner ☰

  • Tap Invite Friends

  • Tap Invite Friends again to send a text to your friend with your link

2. Sign up

Your friend will need to tap your link and create their own Step account. Please remember that you can only send referrals to people who don’t have a Step account yet! They’ll need to:

  • Sign up for a Step account for the first time, with a phone number from a US cell service (like T-Mobile or Verizon) - note: VoIP numbers aren't eligible for referral rewards

  • Use your referral code within 14 days of opening their account

3. Reward 🎉

That’s it! You’ll both get a bonus deposited into your account once all steps are complete!

Please note that the terms and conditions of our referral program are subject to change.


I haven't gotten my reward yet!

Check with the person you referred to see if they've completed the steps above. Once they have, they can click your referral link again, and you should both get your bonus 💸


My link isn't working!

If your referral link doesn't work, your friend can go ahead and enter your referral code manually right from the app. Here's how:

  • Tap on the menu icon in the top-right corner ☰

  • Tap on Redeem Code

  • Enter your referral code in all caps

Your code is the last 5 digits at the end of your unique referral link.


Sometimes we run special referral campaigns, find out more here

Did this answer your question?