Posting this because I actually did these myself and got paid. I see a lot of people ask “what’s the catch?” so I’ll explain it in normal language.
There’s no trick. These companies pay people to sign up and use their app once or twice. They hope you’ll keep using it later. You don’t have to.
As long as you:
Pass the normal ID checks
Follow the steps
You get the money.
So here’s exactly what I did.
**ING – $125 (biggest payout)**
This is just a normal bank sign up bonus. Here's what to do:
1. Sign up with this link – [Click here](https://campaigns.ing.com.au/refer?code=Jxg282&p=d)
2. Deposit $1000 (you can move it back immediately after)
3. Make 5 card purchases
4. Open a Savings Maximiser and add $1
Once that’s done, ING pays $125 into your account. The deal runs until March 31.
Tip: Split one grocery shop into 5 small payments so it’s done in one go.
**Ubank – $30 (basically the same as ING)**
This one is almost identical to ING except you don't need to deposit much and the payout is smaller.
1. Download the Ubank app
2. Sign up and use the invite code 1VV4A6X
3. Deposit $10
4. Make 5 card purchases (split a grocery shop)
They send you $30 automatically after.
**MyPayNow – $47.33 (fastest money)**
This was the quickest cash for me.
1. Sign up with this link – [Click here](http://mypaynow.biz)
2. Take the $50 advance
3. Pay it back (fee is $2.67)
And you profit $47.33. You can repay it straight away and close the account if you want.
**Wagepay – $45**
Very similar to MyPayNow, just slightly bigger numbers.
1. Sign up with this link – [Click here](http://wagepay.vip)
2. Withdraw $100 (that's the minimum
3. Pay it back (fee is $5)
They send a $50 bonus, leaving you $45 ahead. You get the bonus straight away after you withdraw so they'll send $100 plus the $50 bonus and you can pay it back straight away.
**Tiger Trade – about $60 (slow but super easy)**
This one isn’t instant, but it’s very low effort. Tiger Trade is a trading app that’s trying to get more users in Australia. To do that, they give you $5 vouchers every day for 30 days.
Here’s how it works in simple terms:
1. Download Tiger Trade and sign up - Enter referral code L3RW7X
2. Deposit $20 using PayID
3. Do nothing for 30 days. They'll automatically give you a $5 voucher each day.
4. After 30 days, use the vouchers by buying and selling small amounts of a stock. Each buy or sell has a small fee, but you still end up making about $60 after everything.
The trading part took me under 10 minutes. You literally just pick a cheap US stock and just hit buy and sell selecting a different voucher each time. Then you withdraw your money back to your bank. After trading fees you'll profit around $60.