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Kaiserreich Beta 0.15 - 'Leaving for Syria'
The Ottoman rework has been teased for a long time so I know you’ll be happy to hear it is finally here and ready for you to enjoy! Not only that, but the National France rework comes with it two, along with several other new focus trees. We’ve also spent time working on other changes, such as letting you recall volunteers, along with many bug fixes and performance improvements. We hope you enjoy the changes and have fun playing Kaiserreich! Note: As always this patch isn’t save-game compatible. If you would like to continue your game please use the manual download found here: - The KR4 team Changes Notable Additions
Completely reworked the Commune of France’s generals, admirals, and military ministers
Russia’s foreign policy has been overhauled to accompany the changes to the Middle East and the Caucasus
Added “Recall Volunteers” button
Expeditionary Forces no longer count towards the division limit
New Focus Trees
Syria
Iraq
Hejaz
Georgia
Mutasarrifate of Jerusalem
Suez International Zone
Cyrenaica
Reworked/Expanded Focus Trees
Ottoman Empire
Egypt
Tripolitania
Jabal Shammar
National France
Tweaked Focus Trees
Russia
Russian Socialist Republic
Romania
Ireland
Portugal
Oman
Yemen
Germany
New Events
Romania
National France
Syria
Iraq
Hejaz
Georgia
Mutasarrifate of Jerusalem
Tripolitania
Ottoman Empire
Egypt
Cyrenaica
Jabal Shammar
Ikhwan
Tweaked Events
Russia
Commune of France
New Decisions
Ireland
Romania
National France
Portugal
Syria
Iraq
Hejaz
Ottoman Empire
Egypt
Cyrenaica
Jabal Shammar
Tweaked Decisions
Commune of France
Russia
New Custom Country Paths
Ottoman Empire
National France
Egypt
GFX
New focus icons for Argentina, Austria, Brazil, Bulgaria, Chile, Colombia, Germany, Mittelafrika, Peru, the Union of Britain and Venezuela
New flags for Alash Orda, the Commune of France, Illyria, National France, the Ottoman Empire and Ulster
Adjusted the Africa loading screen to match the new situation
New or updated portraits for:
Afghanistan: Amanullah Khan
Armenia: Berç Kerestecıyan, Hamazasp Babadzhanian
Assyria: Agha Petros, Dawid d’Mar Shimun, Shimun XXI Eshai
Austria: Alfred Jansa, Alfred Klahr, Eduard Barger, Erhard Raus, Franz Böhme, Franz Dinghofer, Friedrich Adler, Friedrich Materna, Georg von Trapp, Heinrich Pergler von Perglas, Julius Ringel, Karl Eglseer, Karl Renner, Lothar Rendulic, Ludwig von Eimannsberger, Pierre Ramus, Sigismund Schilhawsky, Wilhelm Miklas, Wilhelm Zehner
Belgium: Adelbert I, Georges Timmermans, Jean Baptiste Piron, Maximilien de Neve de Roden, Victor Billet, Victor van Strydonck de Burkel
Britain: Anthony Pugsley, Ebeneezer Edwards, John MacCormick, John Strachey, Robert Oliver
Bulgaria: Ivan Variklechkov, Kimon Georgiev, Konstantin Bekyarov, Konstantin Lukash, Nikola Hadzhipetov, Nikola Nakov, Sava Ivanov, Teodosi Daskalov
Cameroon: Karl Atangana
Cyprus: Leontios II
Cyrenaica: az-Zubayr bin Ahmad as-Sharif
Don-Kuban: Andrey Shkuro
Egypt: Abbas II
France: André Lemonnier, André Marty, Charles Delestraint, Charles Luizet, Diego Brosset, Ernest Petit, Gaston BIllotte, Georges Blanchard, Georges Catroux, Henri Tanguy, Jacques Sadoul, Joseph Putz, Louis Buisson, Marcel Gensoul, Marie-Pierre Koenig, Philippe Auboyneau, Raoul Castex, Raoul Magrin Vernerey, René Olry
Hejaz: Abdullah bin al-Hussein, Abdul Qadir Pasha el-Jundi, Ghazi bin Faisal al-Hashmid
Hungary: Árpád Szakasits, Béla Kun, István Bethlen, Oszkár Jászi
Ireland: Frank MacDermot, Seán Murray
Ikhwan: Nidā ibn Nuhair, Sultan ibn Humaid ibn Bijad, Zaidan ibn Hithlain
Jabal Shammar: Abdallah ibn Mitab ibn Abd al-Aziz, Muhammad ibn Talil, Saud al-Subhan
Lebanon: Bechara el Khoury, Emile Edde, Emile Boustany, Farajallah el-Helou, Fuad Chehab, Pierre Gemayel, Saeb Salam, Youssef Chmeit
Lithuania: Augustinas Voldemaras, Mikas Reklaitis
Mutasarrifate of Jerusalem: Esat Sagay, Raghib al-Nashashibi
Najd: Saud bin Abuldaziz al-Saud
National France: Aimé Doumenc, André Mallarmé, Aubert Frère, Camille Chautemps, Edouard Daladier, Eugène Deloncle, François Darlan, François de la Rocque, Henri Mordacq, George Groussard, Georges Thierry d’Argenlieu, Henri Roger Marie Meric de Bellefon, Jean Decoux, Jean-Marie Charles Abrial, Jean Touzet du Vigier, Louis Franchet d’Esperey, Louis Marin, Louis Napoléon Bonaparte, Marcel Descour, Maurice Grisot, Philippe Leclerc, Pierre Boyer, Pierre Étienne Flandin, Pierre Lelong,
Ottoman Empire: Asim Gunduz, Cahit Toydemir, Fahrettin, Hayrullah Fisek, Kazim Orbay, Mehmet Ali Ülgen, Mehmet Hayri Tarhan, Kazim Karabekir, Fevzi Çakmak, Mustafa Kemal, Mustafa Muglali, Nafiz Gurman, Hüseyin Rauf Orbay, Mahmud Muhtar Katırcıoğlu, Nihat Anılmış, Nuri Yamut, Ömer Fahrettin, Osman Fuad, Sukru Okran, Tahsin Yazici
Syria: Adi bin Hassan, Akram Hourani, Aziz Ali al-Misri, Hashim al-Atassi, Husni al-Zaim, Khalid Bakdash, Muhammad Abdel Moneim, Rushdi al-Kikhiya, Said al-Jazairi
Tripolitania: Ahmad Faqih Hasan, Bashir Saadawi, Salim Bey al-Muntasir
Trucial States: Hamad Bin Isa Al-Khalifa, Shakhbut bin Sultan Al Nahyan, Zayed bin Sultan Al Nahyan
West Indies: Eustace Fiennes
Yunnan: Lu Han
Music Mod
Added Ottoman songs: Resadiye Marsi, Ottoman March, Izmir March, and March of the Ottoman Expedition
Added Indonesian song: Rayuan Pulau Kelapa
Added Polish song: Marsz Obozowy
Added Mongolian Song: Chingges Khaanii Magtaa
Added German Song: Komm Zurück! There’s also a new version of Das Gibt Nur Einmal (It’s the same recording, just with less background noise)
By request of the French Team, the French music list has been reworked. The new songs are: Ça ira mieux demain, Ce que c'est qu'un drapeau, Cocorico, Debout la France, Hymne de L'Infanterie de Marine, Ils ne la gagneront pas, Ils Reviendront, La France de demain, La Galette, La Royale, Le Chant des Girondins, Le Cuirassier, Le Rêve Passe, Marche des Tirailleurs, Nous autres de la chasse (Us of the Hunt)", La Renouveau, Rhin et Danube,Semons le Grain de la Lumière and a new version of La Marche Lorraine. French songs that have been removed: Partant pour la Syrie (main theme, will be re-added later), Au 31 du mois d'août, Maréchal Nous Voilà, La Victoire est à nous, Aida Triumphal March, La Grenadière, Primer Imperio Francés, Veillons au salut de l'Empire
Mapping
Ningbo is now a city
Added Poti and moved Batumi to Trabzon
Made the Trans-Saharan railway a special crossing
Split Wales into North and South Wales
Merged the Barotseland states
Strategic region updates for Britain and the Congo
Ifni is now a separate state from Rio de Oro
Added new border states in Panama and Costa Rica
Restored the correct borders of Burkina Faso
Removed Lake Volta, as it doesn’t exist in 1936
Split Flanders into Antwerp and Flanders
Split Wallonia into Hainaut and Liège
Curaçao and Qatar now have ports
Chinese provinces are now displayed on the state screen
Miscellaneous
Added a British Exile trait for CAN generals and admirals, showing which leaders will return to GBR when it is formed
Added coalitions for Uruguay, the Dominican Republic, Cuba and Panama
If Shanqing forms Qing, they can integrate parts of China
The Manchu Coup is no longer really democratic, and ends elections after 1945
Japan can no longer annex China for a smaller cost
Legation Cities now keep their current government when puppeted
Legation Cities can request allied Chinese concessions
MacArthur can now secure all of Texas and Oklahoma before the Civil War starts
Tennessee and North Carolina are now more likely to stay with MacArthur.
Added a way for Austria to bribe Bulgaria with Macedonia for an alliance if DAB exists after annexing Serbia.
Added the ability for Austria to give core Serbia to Illyria (it cannot core it).
Delayed Austria's entry into the WK - they’ll only do it if they’ve chosen their reform path and done the focus, and if Germany has lost Bavaria or has over 30% surrender progress.
If Canada is invaded by anyone other than America or one of its allies, a non-socialist America will join the war in favor of Canada.
Anqing and Nanjing Clique Yiguandao/KMT decisions have been improved and cleaned up.
Rocket artillery and motorized rocket artillery added to companies
Ireland now starts with an AuthDem Minister of the Interior, instead of NatPop
Romania's Iron Guard content expanded, especially the middle Legionary tree. King Nicolae I can succeed instead of Michael.
Michael I is now localized to Mihai, just as other Romanian kings are localised.
Gave player more control over whether or not Carol II dies in the assassination event.
Added decisions to Carol's post-unification path
American Union State can now join the Entente
Venice now begins with a military malus for a couple of months, when it revolts
Russia no longer sends volunteers to Xinjiang
Reduced Kumul's out of supply boni and lowered their starting troop count by 2
Transylvania can now be granted to a non-aligned Romania.
Several new event pictures for Russia and the Commune of France
Removed Volkerschau events
Portugal’s Colonial Development focuses have been turned into decisions.
Custom GUI in the stateview that shows which Province Chinese states belong to, similar to the new Ottoman GUI
The above GUI now shows the status of replacing the governors in the Reestablish Order decision tab for Anqing
Germany can now influence the Portugal-Mittelafrika peace deal
Redone the Socialist Anti-Colonial Committee focus for the Commune of France to match with the changes in National France
Added camels to the Middle East nations, Ethiopia, Somalia and National France
Internationale and Entente/Reichspakt countries will now embargo each other when joining the faction
Twilight Struggle is now removed if the Internationale is defeated.
The Internationale will now collapse if a suitable leader cannot be found.
Poland now gets claims on Germany upon allying with Russia.
Majors now have an increased factor towards researching CAS and NAV.
Moved the Isle of Man to Lanark
Poland now gets claims on Germany upon allying with Russia.
Poland can now annex Gumbinnen if it has annexed Konigsberg.
Can no longer go down to “Disarmed Nation” voluntarily
Removed Arabian cores on the Levant
NatPop SIC now more likely to join Entente
Added a couple of tooltips to three Russian events
Updated Persia-Russia peace deal
Ecuador now starts with a mountaineer template
Smedley Butler now dies after the Second American Civil War
GEA and RUS will now send lend-lease to the United Front if possible
Added Aland annexation decision
Added Romandie annexation decision
Aland is now demilitarized again at the end of wars
The Phalanstere's assistance can now be refused.
AI USA now builds more tanks
Xinjiang may now be given to the Central Asian Federation
Updated AI factors for the conscription laws
Chen Jiongming no longer invites a corrupt Zhao Hengti to the Federalists.
Legation Cities can now request concessions that their allies hold
Removed dates from loading quotes
Chile will now receive Tierra del Fuego if it can't be returned to Argentina by whoever is releasing it.
Belgium's AT ideas now give piercing boni instead.
Updated AI factors for the conscription laws.
Tags that revolt from Andesia now automatically join a faction to work together to crush Argentina
If Brazil is a puppet or was Balkanized by Patagonia then they too can join the faction to crush Andesia
When a tag revolts against Andesia it automatically goes to war, no longer can you opt to not go to war
Andesia now peaces out with the revolters after its full collapse
The NFA and GBR foci about the British-French relationship are now linked.
Added unit limit bonuses for the SCW
Added a small unit limit bonus for Yucatan
Russia can now invite Estonia, Latvia and Lithuania to its faction
Hawaii can now be granted to GEA
Added an Ukrainian rename for Kuban
Some nerfs to the CSA military ideas
Lithuania will now refrain from rebelling before the WK
The UK will target in peace conferences, and then no longer release, Malaysia or Sarawak unless decolonised.
Romania’s Great Game decision category now warns you when you’re losing stability
Memel can be granted to an allied Lithuania
“Restoring Napoleon” loading tip replaced with “Restoring monarchies”
USA can now break the ceasefire if the PSA is losing against a third party
New unique American designers
Removed any mentions of Hitler or Heydrich
Added a dynamic description to the Siamese engineers event
Reduced the time for Yunnan's war declarations
The Brazilian Greenguards idea now has a more fitting effect
Guatemala will now try to get rid of Monroe as soon as possible
The UK now gets a claim on South Georgia alongside the Falklands
Russia will now refrain from attacking Japan while Germany is still alive.
Increased suppression values for armoured cars, camels, and bicycle battalions
The Third Internationale will now research oil tech more but has fewer bonuses for it.
Greece now gets Northern Epirus via the Treaty of Budapest.
Hawaii now gets two destroyers from each purchase
Russia's military AI should now focus less on Finland and more on EE
Changed the Russian attack on Germany to be focus-based
Occitania has been fully removed
Ukraine's mission to peace out with Germany now cancels if they reach 50% surrender progress
AI republican Poland will now wait for the WK to join a faction.
Foreign volunteers to the CSA are modifiable
Ulster’s parties have been redone
Transylvania will no longer rejoin a capitulated Romania.
TAN can now integrate China if led by a Han regime
The Gruppa di Difesa Della Donna template added for the SRI is no longer locked
SRI can no longer join the Third Internationale if it declares war on a fellow socialist country before joining the faction
All SRI decisions to build factories now require PP and civilian_factory_use, and take longer to build; they no longer need to be done only one at a time, however
The bonuses provided by many SRI economic and military ideas have been significantly nerfed across the board
Italian focuses which add resources have been moved to decisions, so they can be available to other tags if/when Italy is united
Legionary Italy now gets its navy back from Venice, upon taking Venice during the revolt
Fixes Notable Fixes
Fixed Portugal not joining the Entente if MAF is dead, again
The Netherlands no longer trade with their enemies
Fixed Japan's collapse resurrecting a dead Russia in Transamur
ROM can no longer release Greater Hungary
ANI Italy actually tries to beat Venice, for real this time
Other Fixes
America can now actually ask for their vote back in the Legation Council
Panama’s politics now make more sense
Fixed Legation Council vote timer appearing for nations not on the Council
Norway no longer has identical companies
Austria can still do their Secret Deal path
If the Left Kuomintang are a puppet then they will only be able to take Army/Navy/Air national foci to prevent your puppet from doing major changes to their government (1st congress etc) without your knowing.
Removed the white border around the Hunan flag
Fixed the resolution of the Rassid Arabia flag
Fixed Persia returning Herat to Afghanistan
Fixed MAF-released Rhodesia not owning Nyasaland.
Fixed a number of XSM typos
Fixed Persia returning Herat to Afghanistan.
Fixed France not getting claims on Wallonia if they annex all of Belgium
Fixed the Dutch Revolution news event using the wrong description
MAF can no longer release its constituents while at war
The CSA Constitutional Congress popularity gains now reflect the actual politics
Fixed a Yunnan focus bypassing incorrectly and added extra AI factors to their war foci
Post-ACW emergency mobilization is no longer locked
Fixed and improved the Hunan faction joining decisions
Fixed the post-Great Game trees' availables
WIF can no longer get spontaneous coups late game or when a conflicting game rule is enabled.
Fixed Fate of Kurdistan not transferring the states
The party popularity GUI now correctly reflects the party providing the PP gain
Fixed the Brazilian volunteer division not being removed when the ACW ends
Fixed the CAN-CSA peace triggering the Fall of Boston event incorrectly
Fixed the terrain around Vancouver
Fixed the endonym for Kisangani/Stanleyville
Fixed some misleading tooltips in the Unification Conference starter mission
Fixed Fengtian being able to join Japan's faction when already in it
Added an alternative response to the Manchu Campaign news event for their enemies
No more errors from unplanned offensives
Fixed Natal's tree being unlocked before the Boer War begins.
Fixed the Peruvian foreign policy foci.
Fixed frontline bug in Cabinda
Fixed a SIK decision giving steel while referring to oil deposits.
Romania can no longer join the Entente if at war
The LKMT no longer commits suicide by Japan
Fixed the inverted BHC civil war leaders.
State modifiers are no longer overlapping in the UI.
Some fixes and improvements to the Chinese army reform system.
Mongolia and Tibet can no longer join the Unification Conference
Some fixes and improvements to the Chinese army reform system
Mantetsu is now disabled if Japan dies
Fixed Russia starting an early WK by attacking Ukraine in the middle of their revolution.
Fixed a Yunnan focus not accounting for the exiled Federalists
Fixed Fengtian offering Japan protection
Fixed a wrong scope error in the UK files
Fixed and optimised a bunch of EGY-ETH rivalry events
increased AI CAN emphasis on suppressing Quebec
Fixed and improved the SAF-ENT peace deal
Riga now checks if it can actually declare war on Latvia in its focus
Fixed a broken ANQ tooltip
Canada can no longer get the Fate of New England
Fixed the spawns of the Romanian legionary volunteers
Illyria can no longer release Slovenia
Fixed the SOV Gosplan idea swaps
Belgium's AT ideas now give piercing boni instead
Yunnan's demand events now keep the original government when puppeting Hunan
MYS core is removed from Malabar Coast once the PRF revolt is done
Fixed an ANQ flag not being cleared and breaking the Conference event
Fixed a Greek focus not accounting for the Dodecanese and Cyprus
France now gets partisan bonuses
Fixed Edwin Barclay's portrait being overwritten by vanilla's
Fixed a broken failsafe in the LEP Move Quickly missions
Fixed a misleading Siamese event option
Fixed GXC not being able to declare war on FNG
Fixed original United Front member countries leaving the alliance
Fixed a post-war CSA event firing mid-ACW
No more irregular provinces in Zambia
Some rebalancing of the MAF building slots
Fixed the Peruvian foreign policy foci
Fixed Serbia coring Anatolia
Fixed Tang Jiyao leading two parties at once in the UPC.
Fixed a Yemeni focus only targeting Oman
Fixed and improved old Egyptian decisions
Fixed Egypt instantly getting rid of illiteracy
Renamed Andalucía to a more fitting name
Fixed Yunnan being able to peace out with Japan due to Burma
Fixed a duplicate JAP tooltip
Fixed Stalin being killed by Patagonia while in Russia
Bolivia no longer gets the Fate of Northern Chile
Fixed the USA not being able to purge the Longists
Fixed a number of BOL bypasses
When releasing Turkish borderlands with annexation decisions, cores are not granted to neighbors when the states are given to them.
Fixed KR operatives with non-KR portrait references
Added missing AI factors to a number of GEA decisions
Transylvania will no longer rejoin a capitulated Romania
Fixed a BOL war decision being visible when the targets are already owned
AI and performance improvements for the Swiss NatPop decisions
Qing now sends volunteers correctly
Fixed CAN not being able to release a claimed AST.
Fixed the Democratic CEN elections
KMT Yunnan can no longer use the generic Form China decision.
Fixed Sichuan moving its capital to Chongqing when it's already there
Fixed a Federalist focus not bypassing properly
Tried to improve the flow of the United Front code.
Fixed Mongolia not getting its claims when the Ma Clique sues for peace
Fixed the layout of the Zimbabwe army tree
Fixed a number of missing Shan icons
TAN can now integrate China
Fixed the missing checks for the formation of the Belgo-Dutch research group
The RKMT will no longer accept Federalist ultimatums
Fixed the UPC decisions not showing up correctly
AI Qing will no longer go for war decisions before 1938
Fixed MAF claiming Sudan
Fixed Wallonia not getting cores on Antwerp
Fixed an unlocalised FRA tooltip and improved the checks on the Phalanstere decisions
Liberia can now be released normally by NFA, GER or GBR.
Fixed the QIE ally integration decisions being visible while invalid.
Fengtian's attack decision now invalidates if the conditions are no longer met
Fixed Poland getting generic PatAut leaders
Some improvements and a fix to SQI's German Collaboration mechanic
Slight fix so Chinese tags don't get claims on their cores
CSA can no longer get rid of its org debuff before winning the ACW
Fixed a broken PUE idea desc
Fixed Fengtian being able to invite Japanese companies while at war with them
SAF's AI will now prioritise attacking direct neighbours when multiple targets are available
Fixed SIK keeping the Rumors of Discontent idea after winning the war
Liangguang now joins its targets' wars when puppeting KMT cliques
Fixed some TEX decisions not appearing correctly
Fixed a MTG-only ROM event firing for non-owners
Fixed two RUS loc bugs
Fixed a mass replace bug in the ENG naval OOB
Fixed the Beijing Government reverting to the Qing Empire.
Fixed Finland's suicidal AI
Fixed a couple of naval variant bugs
Fixed the broken targeting for albania.50
Fixed the CSA being released too late in Landon's route
Fixed the SAF annexation tree switches
Fixed the loc for the annexation of Dvinsk
Increased the AI factor for Romania coring Silistria
Fixed Egypt instantly getting rid of illiteracy.
Readded a bunch of missing US company logos
Fixed socialist SAF getting Nuweweld decisions
Fixed the Ma Clique peace and collapse events
Countries will now leave the Kaiser Wilhelm Society when no longer in the Reichspakt.
Fixed the Italian names of PAP's Catholic divisions
Fixed Russia not taking the Alands.
Fixed Manchu SQI causing a focus lockout for the LKMT
Fixed Wallonia not gaining cores on Liège
Fixed the double Momentum Lost ideas
The LKMT can no longer attack FNG before doing the prerequisite focus
Fixed the SZC NPA focus not allowing for joining it instead
Fixed Austria not getting a core on Burgenland.
Fixed FNG not getting cores on China when released by Japan
XSM will now give Chamdo to Tibet when releasing them
Fixed the traits of a CHI company
Fix your eyes, you’ve been reading the patch notes for too long
Fixed the Roads to Riga idea not being removed if Riga dies
Removed a meme description from the Persian Balochistan focus
Fixed the DEI focus tree building factories on INS states
Fixed a missing Sichuan loc entry and a typo
Fixed Yunnan not getting claims on Sichuan when forming the KMT government
Fixed Sichuan retaining cosmetic tags when puppeted
Fixed Japan getting the Fading Sun after annexation
Fixed Iceland staying in the Reichspakt's wars after breaking free from Denmark
Upon completion of the Cod War in Iceland, a unit is generated so that they have some form of defence for naval invasions
Added missing vanilla tooltip about extra aircrews
GEA will now lose the Vietcong ideas when peacing out with INC.
Jerusalem's province is no longer a desert
Fixed Nasir Shah not keeping his original trait when returning to Kumul
Reduced Kumul's out of supply boni
Fixed a MEX idea swap not giving any new modifiers
Fixed the United Front leader's faction not reforming properly if it was not the original leader of the faction
Fixed the duplicate decisions for leaving the United Front
Fixed FOP not being properly released by The Revolution Successful
Added a bunch of backup countries to Wilhelm's death event, so it finally fires correctly
Fixed the layout of the Zimbabwe army tree.
Iraq no longer gets a core on Qassim, and Britain no longer claims Kufra
Jin Shuren's mission to unify Xinjiang is now removed if Sheng Shicai takes over
Fixed Long Yun's non-civil war takeover not adding the correct ministers.
Serbia's decision to attack Austria now has ITA- and POL-specific targeting to preempt issues
Fixed DDR and GRU getting cores on Memel without owning Königsberg
Fixed all countries in the world going for Grand Battleplan
Replaced the UoB's concentrated-dispersed focus dichotomy with another idea level, to avoid needing tech triggers
Fixed the trigger for the Gumbinnen annexation
Fixed YUN losing manpower in a civil war event without combat
Removed a deprecated GER focus to invade Denmark (now better handled by a DEN decision)
Fixed a POR event referencing the wrong year
Fixed the POL-UKR peace deal having inverted loc
Fixed a GXC decision taking two years to complete
Fixed Japan ceding the Legation Cities to Fengtian via their foci
Fixed SOM being referred to as an empire
AI Fengtian will refuse to start the Conference if set to pro-Japan in the game rules
Fixed the peaceful HOL revolution not loading the socialist tree
Fixed the Harass Political Enemies decision for Romania decoupling the influence values
Fixed Serbia attacking Austria during the Venetian war
Fixed Serbia joining two factions at once
Fixed RUS not getting resistance on LAT and EST states
Austria's event to return lands now checks for any puppet- and ally-held areas as well
SAF is no longer arbitrarily restricted from releasing Namibia or Mozambique
Fixed Canada not getting the Fate of America
Fixed SOV's tree being blocked by a player finishing the war too quickly
Fixed missing infantry equipment bonus to camels (vanilla bug), by adding a new subcategory of mounted infantry (includes camels and cavalry)
Added missing bicycle and amtrak bonuses to some techs
Replaced `var:faction_leader` with the new `faction_leader` scope.
Added missing hardness bonuses to rest of motorized battalions from mech 1
Your soldiers now can learn both, how to ride a horse and how to shot from AT-rifle (vanilla bug of infantry AT weapons not applying to cavalry, and cavalry not being in category “all infantry”)
Adjusted airtech window grid to vanilla standards, removing the need to use scrollbars to see scout planes while using FullHD. You can now see all planes in same time
The Andesian Rebellion events now have localization
SRI attack decisions will now disappear if the target no longer exists
If syndicalist France is released after annexation, it is puppeted to the releaser if no faction exists for it to join
Removed the duplicate SRI decision to join the Phalanstere
SRI socialist welfare idea now costs consumer_goods_factor instead of adding it
Additional units are no longer transferred from Legionarry Italy to Venice upon the revolt breaking out; any Italian units left in Venice are teleported away
Romania’s AI should now core Transylvania much more efficiently
We hope you enjoy playing Kaiserreich as much as we did making it! - The KR4 Team: Alpinia, Arvidus, Augenis, Blackfalcon501, DSFDarker, Carmain, Dr. Njitram, Drozdovite, Edouard Saladier, Eragaxshim, Flamefang, Fort, JazzyHugh, Jeankedezeehond, Jonjon428, Jonny BL, Krco, Liegnitz, Maltesefalcon, Matoro, Nijato, NukeGaming, OperationsManagementDecisions, PPsyrius, Pietrus, Rei VL, Rylock, SPQR, Starguard, Telcontar101, The Alpha Dog, The Irredentista, Thomahawk2k, Vidyaország, WordZero, Yard1, Zankoas and Zimbabwe Salt Co.
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Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it)
Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
Fetch Rewards: Receipt scanner app, rewards you 5 cents each for receipts from most major chain stores. Fetch has a $2 bonus for using a referral link and scanning your first receipt (open this link from your phone).
Raise: Free $5 credit towards your first gift card if you sign up using a referral code, you can get an extra $5 off your first gift card purchase. I used it to buy a $10 Uber gift card, combined with their 2% discount, I only paid $4.80 for a $10 gift card!
Webull is a commission free stock trading platform/app which is giving out 4 free stocks (2 worth $2.50-$250 for opening an account, and 2 worth $8-$1600 each for depositing $100). That's a MINIMUM of $21 in free stock! Expires January 15th at midnight est. Webull is available on iOS and Android, or you can use their website. Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
Public
Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required. Available on iOS or Android only. http://share.public.com/rayruiu
Dough
Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too). Available for iOS or Android only. Open this link from your smart phone- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
TradeUp
TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No deposit required. Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit. Available for iOS or Android only. https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U
Robinhood
Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required. Available on iOS and Android, or you can use their website. https://invite.robinhood.com/amadeor3/
Acorns
Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free! If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up. Acorns is available on iOS and Android, or you can use their website. https://www.acorns.com/invite/TLBCPD/
Moomoo
Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit. Moomoo is available on iOS or Android only. https://j.moomoo.com/000LR3
M1 Finance
M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $20 bonus that posts within 14 days. M1 Finance is available on iOS or Android only. https://m1.finance/J6aLCt6SRGdW
Round
Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000. Round is available on iOS only. https://app.investround.com/inviteCode/amadeo-r360s0
SoFi Invest
SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details above), so you can do both! Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest! https://www.sofi.com/share/invest/2498539
Personal Capital
Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks. Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works! https://share.personalcapital.com/x/oGFEyl
Banks-
Porte
Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc. Referral link- https://portebanking.app.link/es7KK8Fb69
SoFi Money
SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back. You can close the account at any time with no fees- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
First Tech Federal Credit Union
First Tech FCU is a bank that gives you a free $100 bonus for opening an account and depositing $250 for 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus. During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account https://refer.firsttechfed.com/s/AMADEO
Red Stone Federal Credit Union
Red Stone Federal Credit Union is a bank that gives you a free $100 bonus for opening an account and doing 4 debit card transactions with their card in 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus. You will get your $100 bonus within 90 days of meeting the above requirements. Keep your account open until you get the bonus. During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account. This deal combo's well with the First Tech FCU offer listed above for this reason, you can get FFA membership from one and then easily just use it for both offers. https://www.redfcu.org/specials/refer-a-friend/redeem.html?first=AMADEO&last=RUIU&referralCode=RUI855220
Chime
Chime is a bank/app which pays you a $75 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). Offer ends January 7th at midnight! A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from virtually any source i.e. bank accounts, cashapp, etc. https://chime.com/milazadrozny
Radius
Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus. You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4 https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb
Wings
Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time. https://www.wingsfinancial/newcustform/109cb9ea
Aspiration
Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months. So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
Stash
Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account! The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus. https://get.stashinvest.com/amadeowpr10
SkyOne
SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days. This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up. https://refer.skyone.org/amadeoruiu3
Premier Members Credit Union
Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit. They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45! And you can close the account at any time, fee free! referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
Oxygen
Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily getr this). PM me for a link.
N26
N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $10 or more on a single purchase using their debit card. The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $10+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. N26 is available on iOS or Android only. https://n26.com/amadeor4364
Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10. So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required. https://www.myconstant.com?r=annoyedproduct
Celsius
Celsius is a cryptocurrency investing platform which will give you $20 for signing up using a referral code and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $20 bonus. You can then withdraw the full $240 and close your account fee free.
Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 1000 CRO (their special cryptocurrency, worth approximately $170) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly.
(enter referral code 66v69rwt76 if not pre-filled)
Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency. Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two. https://gemini.com/share/rllzke26
Coinbase
Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8 They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com/earn/oxt/invite/t0wvs4k2
Credit Cards-
Chase Freedom
Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry! All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties. https://www.referyourchasecard.com/18/ONLMEFPEFJ
Discover IT
Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry! All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free. https://refer.discover.com/s/hhti4m
Other-
Root
Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc. https://rootbonus.com/AmadeoRuiu
Worthy Bonds
Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw. The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately. https://worthybonds.com/?r=etyji
SoFi Loans
SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan. You should research the pros and cons of student loan refinancing before you consider this option, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances. There's also the option of taking out a SoFi loan. www.sofi.com/share/2498539?src=copy
Fetch
Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. My personal favorite scanning app! Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout. They also give a $2 bonus for signing up using a referral code (open this link from your phone). https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW
Raise
Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway. www.sofi.com/share/2498539?src=copy Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox. https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds I've also put together a small blog with those as well as the referrals listed below. I'd love it if you check it out. Thank you! https://www.youngmoneywhisperer.com/home
Dough: 1 free stock worth $2 - $200 simply for opening an account. No deposit required ($25 deposit required before first withdrawal, but you can then withdraw that too).
TradeUP: 1 free stock worth $2.50-250 just for opening an account, and an optional second stock worth $8-$1000 for making a $100 deposit from any source.
Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
Radius:$50 for opening a Rewards Checking account and depositing $500 for 90 days. You must use my referral code when prompted during account signup to get the bonus. -TLAM9428D4
Wings Financial Credit Union:$50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time.
Oxygen:$25 for opening an account, depositing $200, and doing 5 debit card transactions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). PM me for a link.
N26:$10 for opening an account and making a purchase of $10 or more using their de bit card.
Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it)
Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
Fetch Rewards: Receipt scanner app, rewards you 5 cents each for receipts from most major chain stores. Fetch has a $2 bonus for using a referral link and scanning your first receipt (open this link from your phone).
Raise: Free $5 credit towards your first gift card if you sign up using a referral code, you can get an extra $5 off your first gift card purchase. I used it to buy a $10 Uber gift card, combined with their 2% discount, I only paid $4.80 for a $10 gift card!
Webull is a commission free stock trading platform/app which is giving out 4 free stocks (2 worth $2.50-$250 for opening an account, and 2 worth $8-$1600 each for depositing $100). That's a MINIMUM of $21 in free stock! Webull is available on iOS and Android, or you can use their website. Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
Public
Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required. Available on iOS or Android only. http://share.public.com/rayruiu
Dough
Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too). Available for iOS or Android only. Open this link from your smart phone- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
TradeUp
TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No deposit required. Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit. Available for iOS or Android only. https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U
Robinhood
Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required. Available on iOS and Android, or you can use their website. https://invite.robinhood.com/amadeor3/
Acorns
Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free! If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up. Acorns is available on iOS and Android, or you can use their website. https://www.acorns.com/invite/TLBCPD/
Moomoo
Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit. Moomoo is available on iOS or Android only. https://j.moomoo.com/000LR3
M1 Finance
M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $20 bonus that posts within 14 days. M1 Finance is available on iOS or Android only. https://m1.finance/J6aLCt6SRGdW
Round
Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000. Round is available on iOS only. https://app.investround.com/inviteCode/amadeo-r360s0
SoFi Invest
SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details above), so you can do both! Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest! https://www.sofi.com/share/invest/2498539
Personal Capital
Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks. Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works! https://share.personalcapital.com/x/oGFEyl
Banks-
Porte
Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc. Referral link- https://portebanking.app.link/es7KK8Fb69
SoFi Money
SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back. You can close the account at any time with no fees- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
First Tech Federal Credit Union
First Tech FCU is a bank that gives you a free $100 bonus for opening an account and depositing $250 for 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus. During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account https://refer.firsttechfed.com/s/AMADEO
Red Stone Federal Credit Union
Red Stone Federal Credit Union is a bank that gives you a free $100 bonus for opening an account and doing 4 debit card transactions with their card in 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus. You will get your $100 bonus within 90 days of meeting the above requirements. Keep your account open until you get the bonus. During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account. This deal combo's well with the First Tech FCU offer listed above for this reason, you can get FFA membership from one and then easily just use it for both offers. https://www.redfcu.org/specials/refer-a-friend/redeem.html?first=AMADEO&last=RUIU&referralCode=RUI855220
Chime
Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from virtually any source i.e. bank accounts, cashapp, etc. https://chime.com/milazadrozny
Radius
Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus. You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4 https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb
Wings
Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time. https://www.wingsfinancial/newcustform/109cb9ea
Aspiration
Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months. So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
Stash
Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account! The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus. https://get.stashinvest.com/amadeowpr10
SkyOne
SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days. This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up. https://refer.skyone.org/amadeoruiu3
Premier Members Credit Union
Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit. They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45! And you can close the account at any time, fee free! referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
Oxygen
Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily getr this). PM me for a link.
N26
N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $10 or more on a single purchase using their debit card. The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $10+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. N26 is available on iOS or Android only. https://n26.com/amadeor4364
Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10. So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required. https://www.myconstant.com?r=annoyedproduct
Celsius
Celsius is a cryptocurrency investing platform which will give you $20 for signing up using a referral code and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $20 bonus. You can then withdraw the full $240 and close your account fee free.
Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 1000 CRO (their special cryptocurrency, worth approximately $170) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly.
(enter referral code 66v69rwt76 if not pre-filled)
Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency. Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two. https://gemini.com/share/rllzke26
Coinbase
Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8 They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com/earn/oxt/invite/t0wvs4k2
Credit Cards-
Chase Freedom
Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry! All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties. https://www.referyourchasecard.com/18/ONLMEFPEFJ
Capital One Quicksilver
Capital One will pay you $200 for signing up for a Capital One Quicksilver credit card with a referral link and spending $500 it within the first 3 months. This deal is basically the same as the Chase Freedom card mentioned above. All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties. https://capital.one/2V8xwY0
Discover IT
Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry! All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free. https://refer.discover.com/s/hhti4m
Other-
Root
Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc. https://rootbonus.com/AmadeoRuiu
Worthy Bonds
Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw. The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately. https://worthybonds.com/?r=etyji
SoFi Loans
SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan. You should research the pros and cons of student loan refinancing before you consider this option, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances. There's also the option of taking out a SoFi loan. www.sofi.com/share/2498539?src=copy
Fetch
Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. My personal favorite scanning app! Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout. They also give a $2 bonus for signing up using a referral code (open this link from your phone). https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW
Raise
Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway. www.sofi.com/share/2498539?src=copy Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox. https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds I've also put together a small blog with those as well as the referrals listed below. I'd love it if you check it out. Thank you! https://www.youngmoneywhisperer.com/home
Dough: 1 free stock worth $2 - $200 simply for opening an account. No deposit required ($25 deposit required before first withdrawal, but you can then withdraw that too).
TradeUP: 1 free stock worth $2.50-250 just for opening an account, and an optional second stock worth $8-$1000 for making a $100 deposit from any source.
Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
Radius:$50 for opening a Rewards Checking account and depositing $500 for 90 days. You must use my referral code when prompted during account signup to get the bonus. -TLAM9428D4
Wings Financial Credit Union:$50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time.
Oxygen:$25 for opening an account, depositing $200, and doing 5 debit card transactions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). PM me for a link.
N26:$10 for opening an account and making a purchase of $10 or more using their de bit card.
Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it)
Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
Fetch Rewards: Receipt scanner app, rewards you 5 cents each for receipts from most major chain stores. Fetch has a $2 bonus for using a referral link and scanning your first receipt (open this link from your phone).
Raise: Free $5 credit towards your first gift card if you sign up using a referral code, you can get an extra $5 off your first gift card purchase. I used it to buy a $10 Uber gift card, combined with their 2% discount, I only paid $4.80 for a $10 gift card!
Webull is a commission free stock trading platform/app which is giving out 4 free stocks (2 worth $2.50-$250 for opening an account, and 2 worth $8-$1600 each for depositing $100). That's a MINIMUM of $21 in free stock! Webull is available on iOS and Android, or you can use their website. Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
Public
Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required. Available on iOS or Android only. http://share.public.com/rayruiu
Dough
Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too). Available for iOS or Android only. Open this link from your smart phone- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
TradeUp
TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No deposit required. Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit. Available for iOS or Android only. https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U
Robinhood
Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required. Available on iOS and Android, or you can use their website. https://invite.robinhood.com/amadeor3/
Acorns
Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free! If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up. Acorns is available on iOS and Android, or you can use their website. https://www.acorns.com/invite/TLBCPD/
Moomoo
Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit. Moomoo is available on iOS or Android only. https://j.moomoo.com/000LR3
M1 Finance
M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $20 bonus that posts within 14 days. M1 Finance is available on iOS or Android only. https://m1.finance/J6aLCt6SRGdW
Round
Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000. Round is available on iOS only. https://app.investround.com/inviteCode/amadeo-r360s0
SoFi Invest
SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details above), so you can do both! Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest! https://www.sofi.com/share/invest/2498539
Personal Capital
Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks. Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works! https://share.personalcapital.com/x/oGFEyl
Banks-
Porte
Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc. Referral link- https://portebanking.app.link/es7KK8Fb69
SoFi Money
SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back. You can close the account at any time with no fees- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
First Tech Federal Credit Union
First Tech FCU is a bank that gives you a free $100 bonus for opening an account and depositing $250 for 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus. During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account https://refer.firsttechfed.com/s/AMADEO
Red Stone Federal Credit Union
Red Stone Federal Credit Union is a bank that gives you a free $100 bonus for opening an account and doing 4 debit card transactions with their card in 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus. You will get your $100 bonus within 90 days of meeting the above requirements. Keep your account open until you get the bonus. During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account. This deal combo's well with the First Tech FCU offer listed above for this reason, you can get FFA membership from one and then easily just use it for both offers. https://www.redfcu.org/specials/refer-a-friend/redeem.html?first=AMADEO&last=RUIU&referralCode=RUI855220
Chime
Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from virtually any source i.e. bank accounts, cashapp, etc. https://chime.com/milazadrozny
Radius
Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus. You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4 https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb
Wings
Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time. https://www.wingsfinancial/newcustform/109cb9ea
Aspiration
Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months. So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
Stash
Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account! The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus. https://get.stashinvest.com/amadeowpr10
SkyOne
SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days. This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up. https://refer.skyone.org/amadeoruiu3
Premier Members Credit Union
Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit. They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45! And you can close the account at any time, fee free! referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
Oxygen
Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily getr this). PM me for a link.
N26
N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $10 or more on a single purchase using their debit card. The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $10+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. N26 is available on iOS or Android only. https://n26.com/amadeor4364
Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10. So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required. https://www.myconstant.com?r=annoyedproduct
Celsius
Celsius is a cryptocurrency investing platform which will give you $20 for signing up using a referral code and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $20 bonus. You can then withdraw the full $240 and close your account fee free.
Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 1000 CRO (their special cryptocurrency, worth approximately $170) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly.
(enter referral code 66v69rwt76 if not pre-filled)
Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency. Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two. https://gemini.com/share/rllzke26
Coinbase
Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8 They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com/earn/oxt/invite/t0wvs4k2
Credit Cards-
Chase Freedom
Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry! All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties. https://www.referyourchasecard.com/18/ONLMEFPEFJ
Capital One Quicksilver
Capital One will pay you $200 for signing up for a Capital One Quicksilver credit card with a referral link and spending $500 it within the first 3 months. This deal is basically the same as the Chase Freedom card mentioned above. All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties. https://capital.one/2V8xwY0
Discover IT
Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry! All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free. https://refer.discover.com/s/hhti4m
Other-
Root
Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc. https://rootbonus.com/AmadeoRuiu
Worthy Bonds
Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw. The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately. https://worthybonds.com/?r=etyji
SoFi Loans
SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan. You should research the pros and cons of student loan refinancing before you consider this option, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances. There's also the option of taking out a SoFi loan. www.sofi.com/share/2498539?src=copy
Fetch
Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. My personal favorite scanning app! Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout. They also give a $2 bonus for signing up using a referral code (open this link from your phone). https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW
Raise
Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway. www.sofi.com/share/2498539?src=copy Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox. https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds I've also put together a small blog with those as well as the referrals listed below. I'd love it if you check it out. Thank you! https://www.youngmoneywhisperer.com/home
There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only. NEW- Google Pay: Free $21. Need to sign up and either spend $10 using the app, or send $10 to someone else. DM me for more details.
Stocks
Webull: BONUS IMPROVED!! 4 free stocks (2worth $2.50-$250 just for opening an account, and 2 worth $8-$1600 each for depositing $100).
Dough: 1 free stock worth $2 - $200 simply for opening an account. No deposit required ($25 deposit required before first withdrawal, but you can then withdraw that too).
TradeUP: 1 free stock worth $2.50-250 just for opening an account, and an optional second stock worth $8-$1000 for making a $100 deposit from any source.
Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
Radius:$50 for opening a Rewards Checking account and depositing $500 for 90 days. You must use my referral code when prompted during account signup to get the bonus. -TLAM9428D4
Wings Financial Credit Union:$50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time.
Oxygen:$25 for opening an account, depositing $200, and doing 5 debit card transactions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). PM me for a link.
N26:$10 for opening an account and making a purchase of $10 or more using their de bit card.
Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it)
Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
Fetch Rewards: Receipt scanner app, rewards you 5 cents each for receipts from most major chain stores. Fetch has a $2 bonus for using a referral link and scanning your first receipt (open this link from your phone).
Raise: Free $5 credit towards your first gift card if you sign up using a referral code, you can get an extra $5 off your first gift card purchase. I used it to buy a $10 Uber gift card, combined with their 2% discount, I only paid $4.80 for a $10 gift card!
Webull is a commission free stock trading platform/app which is giving out 4 free stocks (2 worth $2.50-$250 for opening an account, and 2 worth $8-$1600 each for depositing $100). That's a MINIMUM of $21 in free stock! Webull is available on iOS and Android, or you can use their website. Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
Public
Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required. Available on iOS or Android only. http://share.public.com/rayruiu
Dough
Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too). Available for iOS or Android only. Open this link from your smart phone- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
TradeUp
TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No deposit required. Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit. Available for iOS or Android only. https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U
Robinhood
Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required. Available on iOS and Android, or you can use their website. https://invite.robinhood.com/amadeor3/
Acorns
Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free! If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up. Acorns is available on iOS and Android, or you can use their website. https://www.acorns.com/invite/TLBCPD/
Moomoo
Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit. Moomoo is available on iOS or Android only. https://j.moomoo.com/000LR3
M1 Finance
M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $20 bonus that posts within 14 days. M1 Finance is available on iOS or Android only. https://m1.finance/J6aLCt6SRGdW
Round
Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000. Round is available on iOS only. https://app.investround.com/inviteCode/amadeo-r360s0
SoFi Invest
SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details above), so you can do both! Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest! https://www.sofi.com/share/invest/2498539
Personal Capital
Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks. Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works! https://share.personalcapital.com/x/oGFEyl
Banks-
Porte
Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc. Referral link- https://portebanking.app.link/es7KK8Fb69
SoFi Money
SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back. You can close the account at any time with no fees- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
First Tech Federal Credit Union
First Tech FCU is a bank that gives you a free $100 bonus for opening an account and depositing $250 for 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus. During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account https://refer.firsttechfed.com/s/AMADEO
Red Stone Federal Credit Union
Red Stone Federal Credit Union is a bank that gives you a free $100 bonus for opening an account and doing 4 debit card transactions with their card in 30 days. There are no fees, and you can close your account any time fee free. The $100 posts 30 days after you do the $250 deposit and you can then immediately withdraw all the money + the bonus and keep the bonus. You will get your $100 bonus within 90 days of meeting the above requirements. Keep your account open until you get the bonus. During account signup, say you want to meet eligibility by joining the "Financial Fitness Association", they pay for your $8 membership for you so that anyone nationwide can open an account. This deal combo's well with the First Tech FCU offer listed above for this reason, you can get FFA membership from one and then easily just use it for both offers. https://www.redfcu.org/specials/refer-a-friend/redeem.html?first=AMADEO&last=RUIU&referralCode=RUI855220
Chime
Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from virtually any source i.e. bank accounts, cashapp, etc. https://chime.com/milazadrozny
Radius
Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus. You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4 https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb
Wings
Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time. https://www.wingsfinancial/newcustform/109cb9ea
Aspiration
Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months. So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
Stash
Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account! The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus. https://get.stashinvest.com/amadeowpr10
SkyOne
SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days. This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up. https://refer.skyone.org/amadeoruiu3
Premier Members Credit Union
Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit. They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45! And you can close the account at any time, fee free! referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
Oxygen
Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily getr this). PM me for a link.
N26
N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $10 or more on a single purchase using their debit card. The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $10+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. N26 is available on iOS or Android only. https://n26.com/amadeor4364
Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10. So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required. https://www.myconstant.com?r=annoyedproduct
Celsius
Celsius is a cryptocurrency investing platform which will give you $20 for signing up using a referral code and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $20 bonus. You can then withdraw the full $240 and close your account fee free.
Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 1000 CRO (their special cryptocurrency, worth approximately $170) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly.
(enter referral code 66v69rwt76 if not pre-filled)
Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency. Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two. https://gemini.com/share/rllzke26
Coinbase
Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8 They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com/earn/oxt/invite/t0wvs4k2
Credit Cards-
Chase Freedom
Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry! All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties. https://www.referyourchasecard.com/18/ONLMEFPEFJ
Capital One Quicksilver
Capital One will pay you $200 for signing up for a Capital One Quicksilver credit card with a referral link and spending $500 it within the first 3 months. This deal is basically the same as the Chase Freedom card mentioned above. All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties. https://capital.one/2V8xwY0
Discover IT
Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry! All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free. https://refer.discover.com/s/hhti4m
Other-
Root
Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc. https://rootbonus.com/AmadeoRuiu
Worthy Bonds
Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw. The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately. https://worthybonds.com/?r=etyji
SoFi Loans
SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan. You should research the pros and cons of student loan refinancing before you consider this option, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances. There's also the option of taking out a SoFi loan. www.sofi.com/share/2498539?src=copy
Fetch
Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. My personal favorite scanning app! Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout. They also give a $2 bonus for signing up using a referral code (open this link from your phone). https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW
Raise
Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway. www.sofi.com/share/2498539?src=copy Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox. https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds I've also put together a small blog with those as well as the referrals listed below. I'd love it if you check it out. Thank you! https://www.youngmoneywhisperer.com/home
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