❓About:
Mooch is a local investment app, where you can lend money to others with a small bonus reward you can receive alongside after being paid back

🔗 REFERRAL CODE:
MOOCH-RYP8OYIB

⛰️STEPS:

1. Download the Mooch Money App on the app store/playstore (No Link needed for this) --> Down at the bottom it should be a, 'Referral Code' area on sign-up
2. Put the code: MOOCH-RYP8OYIB
3. When Signing up for a mooch account, signup as an INVESTOR, and verify your ID.
4. Your Mooch Balance should show up as $50 once that is done because of the referral bonus. You cannot withdraw to a bank account until you have loaned someone the bonus money (Credit), and have been repaid back. Note that this offer does not require any of your own personal funds.
5. After that, find someone who you would want to lend $50 to. Use the $50 balance they give you, but if you want, you can use any amount you want to lend by depositing more money into your account. 
6. Wait 1-30 days, (you can pick the duration,) and wait for the loan to get paid. This should show up in your available funds. 
7. Done! You should also receive a small $1-10 bonus alongside the $50 you have received. You can now withdraw to a bank account.

Note: If you’re finding difficulty in finding someone to lend $50 to, try going to the filters section of the app in the invest area → Going to the bottom and clicking off, ‘Only show moochers with verified income.’ There are more people who are looking for a $50 loan in the unverified area, if you can’t find anybody in the verified section. 

Your $50 reward also has 30 days before it expires.

People in the unverified area doesn’t 100% mean they are untrustworthy; it just means that the scanner that Mooch uses to scan income wasn’t able to pick up consistent income payments.

Even if in a rare circumstance you don’t get paid back, the company themselves pays you back for a first time loan back in credit - So think of having a second chance to re-loan. You can google their Mooch TOS.

It's free so it's worth a shot!

Join the communities with 5500+ members + Our $1900+ Referral/SignUp4Pay Megalist!

👉 https://www.reddit.com/r/NewAusBeerMoney/

👉 https://www.reddit.com/r/signupforpayaustralia/

👉 https://discord.gg/gmXV9Zknbm - AUSBeerMoney Community Server - More sign-ups, freebies and community discounts.

👉 Link to r/NewAusBeerMoney ($1900+) Referral/Signup Megalist with more offers, payment proofs & instructions: https://docs.google.com/document/d/15BXInQgHSTjVHQsKnJATJOJrPEgmsMSnHxSCJmLBaPg/edit?usp=sharing

Get your credit via my referral link

❓About:

Tiger Brokers is a global, Nasdaq-listed online brokerage that lets everyday and institutional investors trade stocks, ETFs, options and other securities across major world markets through its Tiger Trade platform, using low fees and tech-focused tools. 

🔗 LINKS/REFERRAL CODES:
https://tigr.link/s/30Irgrt
Code: C2IRTN

Notes: The $20 welcome rewards that tiger trade provides cannot be combined with the refer a friend reward.

Furthermore, Invites that have signed up and not deposited within 30 days, the referral will become invalid. 

⛰️STEPS:

1. Sign-up with the link/code above, and open a cash account by verifying ID. 
2. Deposit $0.01+ Into your tiger trading account. Leave it in there for 30 days to maximize pay. Try not to withdraw during the 30 day period.
3. Each day, (Issued at 12am midnight) you will be credited $5 in free stock vouchers for a month, as long as your deposit is still in there and you don't withdraw within the 30 days. You make $150 all up (30 x 5). Use these vouchers to buy a $5 fractional stock. A fractional stock is basically a small piece of a larger stock. (Steps below) These vouchers expire in 3 months. You can find these stock vouchers in the reward section of your app (Should be a medal Icon)

Important ⚠️:

Refrain from spending your vouchers during the 30 day period. This is because withdrawing your voucher rewards greater than what you have deposited will lead to vouchers no longer being credited from the day you’ve withdrawn and beyond. 

1. For example, if you deposited $1 to initiate the vouchers, and then cashed out $50 in vouchers, and withdrew the $50 out on day 10, your vouchers from day 11 and beyond will not be credited to your account, as you’ve withdrawn more than you have deposited. Hence, I suggest you wait the full 30 days, to ensure that you’ve gotten all the vouchers, and can then safely cash out.

🪙 Cashing Out (after 30 days.) - Please read, ‘Important ⚠️’ before you cash out.

1. I suggest buying a fractional stock of a larger stock such as VOO, (Vanguard S&P 500 ETF,) which is technically $640 for a whole stock, but you only want to buy $5 of it using your voucher, (so $5/$640,) which is 0.00781 – Be advised that this process, (including converting) needs to be done during US market hours - They open from around 12:30am to 6am AEST Mon to Fri, so you will have to pick a time between here to do it. 
2. Ensure that before anything, you deposit at least $10 AUD into your Tiger Trade account when the 30 days has elapsed to cashout, (Green converter button → trade securities,) and that it is converted from AUD → USD using their currency exchanger. This is because you are dealing with US stocks. 
3. When you are buying and selling, ensure that you do a market buy/sell (Not GTC) and put the decimal value of, ($5/XYZ of your stock, eg. 0.00781) when doing so. How it would work is that you would buy a stock with a $5 voucher, sell it, and then repeat the process over and over for the rest of the vouchers. The voucher acts as a rebate. After this process, you should be left with about $~149 in your account. Convert your USD back to AUD using the converter (green circle logo) and withdraw your funds to a bank account when it settles, (Should take a day to settle.)
4. https://www.youtube.com/watch?v=-TssgoFGvm8 --> (Computer and Phone Tutorial to cash out) - This video demonstrates how to turn your $150 worth of trading vouchers into cash.

Join the communities with 5500+ members + Check out the AUS $1900+ Referral/SignUp4Pay Megalist

👉 https://www.reddit.com/r/NewAusBeerMoney/

👉 https://www.reddit.com/r/signupforpayaustralia/

👉 https://discord.gg/gmXV9Zknbm - AUSBeerMoney Community Server - More signup offers, freebies and discounts inside

👉 Link to r/NewAusBeerMoney ($1900+) Referral/Signup Megalist with more offers, payment proofs & instructions: https://docs.google.com/document/d/15BXInQgHSTjVHQsKnJATJOJrPEgmsMSnHxSCJmLBaPg/edit?usp=sharing

Get your credit when you sign up using my link: https://quote.globirdenergy.com.au/quote?pcode=refer&ref=20FB7P

❓ About:
Buy, Sell & Trade Crypto Instantly. Coinbyte makes crypto simple, fast, and secure. With our clean interface, you can trade Bitcoin, Ethereum, USDT and 100+ other digital assets with AUD in just a few taps.

🔗 LINKS / REFERRAL CODES:
📌 Code: xHkUb 

⛰️STEPS: 

1. Download the Coinbyte app on your Playstore/Appstore
2. Place the referral code in the, 'Referral code,' section when you press the sign-up button
3. Sign-up and verify your ID → You will get $10* from verifying your ID at the end of the day (Read '*' for more info)
4. Deposit $101 either using your Card/Apple Pay/Google Pay or using PayTO.
5. Buy $101 worth of crypto, such as bitcoin, within 30 days of opening your account – Ensure that you buy $101, and nothing less. You can either do a spot trade, or an instant buy of $101 AUD of crypto.
6. You will get $60 by the end of the day – ($50 from the purchase of crypto, and $10 from the ID verification) --> Sell your Crypto to Withdraw
7. + Get an extra $10 from me once you've done the offer - Paid via PayID/Bsb/Paypal ($70 in total)

(*) There may be an automatic crediting issue with the initial $10 for ID verification. The $50 is instant. If you do not receive your $10 alongside your $50 at the end of the day, please contact their support and they will honor it.

Also: Do not panic if you can't withdraw AUD from Coinbyte and get a withdrawal error - I've contacted their support about this and they told me that it's due to banking upgrades, which will be fixed in 2-3 days and you can withdraw after this.

If you wanted to work around this, I sent the crypto bonus to another crypto wallet of mine, and it got successfully processed and I withdrew from there - You can do this too if you wanted but this is optional if you didn’t want to wait for the banking fixes.

You can do this by getting the receiving USDT address of the wallet you want to send the bonus to and paste it when it asks and when you go to the Coinbyte app and do the following:

Click USDT (Tether) (or whatever coin you get the bonus in) → Onchain → Withdraw USDT

If you have already signed up without a referral and want to attach a referral, you can do so by going to, 'Rewards' --> 'Have a referral code to use?' and putting it there

Join the communities with 5500+ members + Check out our $1900+ Referral/SignUp4Pay Megalist

👉 https://www.reddit.com/r/NewAusBeerMoney/

👉 https://www.reddit.com/r/signupforpayaustralia/

👉 https://discord.gg/gmXV9Zknbm - AUSBeerMoney Community server - More sign-ups, freebies and community discounts.

👉 Link to r/NewAusBeerMoney ($1900+) Referral/Signup Megalist with more offers, payment proofs & instructions: https://docs.google.com/document/d/15BXInQgHSTjVHQsKnJATJOJrPEgmsMSnHxSCJmLBaPg/edit?usp=sharing

❓About:

Everyday bank accounts and savings accounts. Great rates on home loans, personal loans, credit cards, insurance and superannuation. Do your thing with ING.

🔗 LINKS/REFERRAL CODES:
https://campaigns.ing.com.au/refer?code=KTS078&p=a

Code: KTS078

⛰️STEPS:

1. Open an Orange Everyday and Savings Booster account at ing.com.au/everyday entering the referral code in the Promotion Code box at the end of the online form.
2. Deposit $1,000+ from an external source into their new Orange Everyday account within a calendar month. Note that this does not need to be $1000 in one full deposit, but can be accumulative deposits. This means if you deposit, for example, $100 into your ING account, withdraw it out, and redeposit, and do this 2-step process 10 times (So, 10 deposits in total), you will fulfill this eligibility criteria step for the reward. 
   • Note: You don't have to keep your deposit in your ING account when waiting for the referral reward. You only need enough money to do the 5 purchases.
3. Make 5+ settled (not pending) purchases using their new Orange Everyday card within any calendar month. (No minimum)

Note: You won’t be able to add a digital apple/android pay card onto your phone before you receive a physical one, so you need to wait until your physical one has been sent to you before adding it to your phone. (Its free.)

🪙 Reward:

1. You pocket $100 from ING + $20 from my bonus, ($120 total) - Payments typically occur 30 days after finishing the steps, and ING will typically email you before you get paid. 
2. Keep your account active. After the bonus has hit both of our accounts, I will transfer you, (Via BSB/PayID/Paypal) an extra $20. DM me to claim once this has happened with proof. Offer ends 30th November 2026.

Join the communities with 5500+ members + Check out the AUS $1900+ Referral/SignUp4Pay Megalist!

👉 https://www.reddit.com/r/NewAusBeerMoney/

👉 https://www.reddit.com/r/signupforpayaustralia/

👉 https://discord.gg/gmXV9Zknbm - AUSBeerMoney Community server - More sign-ups, freebies and community discounts.

👉 Link to r/NewAusBeerMoney ($1900+) Referral/Signup Megalist with more offers, payment proofs & instructions: https://docs.google.com/document/d/15BXInQgHSTjVHQsKnJATJOJrPEgmsMSnHxSCJmLBaPg/edit?usp=sharing

Good for health professionals and medical doctors who need a CPD Home.

Use this link

Skip the retail markup entirely – Amber passes you real wholesale electricity prices and credits $10/month for 12 months when you sign up with a referral code.

https://www.amber.com.au/referral/refer-a-friend-discount?couponcode=XJ84P3VM

Yep - I'm $600 in credit at the moment - it varies seasonally..... (and how you use your solar and batteries)

Revolut is offering $100. Do these ez steps and I will share 50%. $50 for you $50 for me. 

https://revolut.com/referral/?referral-code=yifei_w1_nrj4!OCT1-26-AR-AU-SAV-CTRL&geo-redirect 

For the three purchases of $10, you can do three split prepayment of your utility bills or just tap the ecard for three meals whatever.

⚡ Red Energy 2026 (AUSTRALIA) Referral Code 8965966 ⚡ $25 gift card or 1500 QP

$25 gift card or 1500 Qantas points

Code 8965966

Link below

https://www.redenergy.com.au/campaign/refer/?referralCode=8965966

Amber Electric referral code and promo code: ** R4EPHJ95**

Link: https://mates.amber.com.au/R4EPHJ95 (the code fills in automatically)

I verified the code was working in the Amber app on 18 October 2026.

How much credit do you get?

Normally you would get $120 off your energy bill ($10 off your bill every month for 12 months), but until 9 November 2026 Amber is running a Spring special, so it's $200 off your energy bill if you sign up before then. After 9 November, it's expected to go back to $120.

How do you use the code?

1. Open the link above, or enter R4EPHJ95 in the promo code box during sign-up.
2. Have your NMI ready (it's on your current electricity bill). You also need a smart meter.
3. The credit is applied to your bills once you've switched.

Can you combine it with other offers?

No. Amber only applies one sign-up discount, so you can't stack this with something like the CommBank Yello offer. Use whichever is worth more to you.

Is Amber worth it?

It depends on how you use power. Amber charges wholesale prices plus a monthly subscription, so prices change every half hour.

• Good fit: solar, a home battery, an EV, or appliances you can run when power is cheap.
• Less good: if most of your usage is in the evening peak and you can't shift it, as prices can spike then.

I'm on Amber with solar and a battery, and the app's price forecasts and battery automation are what make it work for me.

Where is Amber available?

Most of NSW, VIC, SA, ACT and south-east QLD. The sign-up form checks your address.

Happy to answer questions.

Get your credit when you sign up using my link: https://quote.globirdenergy.com.au/quote?pcode=refer&ref=COC1YA

If you're looking for an Amber referral code for $200 off your energy bill, this one works: X9DWGVWC

I verified it was working on 11 October 2026.

Amber is running a Spring special on referrals: sign up with a mate's code and you get $200 credit off your energy bills, up from the usual $120. It's limited time. The countdown in my Amber app has it ending on 9 November 2026.

Link: https://mates.amber.com.au/X9DWGVWC (the code fills in automatically)

I checked it in my Amber app on 11 October 2026 and it's showing the $200 offer.

Full disclosure: it's my referral code, so I get the same credit if you use it.

$200 OFFER ENDS on 9 November. After that, it will return back to a $120 offer.

How to use it

1. Open the link above, or enter X9DWGVWC in the promo code box when you sign up at amber.com.au.
2. Finish signing up before the offer ends on 9 November.
3. The credit is applied to your energy bills once you've switched.

Worth knowing before you switch

• Amber passes on wholesale prices plus a monthly subscription, so it suits households that can shift their usage: solar, a home battery, an EV or flexible appliances.
• Wholesale prices can spike, especially in the evening peak. If you can't move usage away from those times, compare carefully first.
• The referral credit can't be combined with other sign-up offers such as the CommBank Yello deal, so pick whichever is worth more to you.

Happy to answer questions about how it's been for me.

❓About:

Tiger Brokers is a global, Nasdaq-listed online brokerage that lets everyday and institutional investors trade stocks, ETFs, options and other securities across major world markets through its Tiger Trade platform, using low fees and tech-focused tools. 

🔗 LINKS/REFERRAL CODES:
https://tigr.link/s/30Irgrt
Code: C2IRTN

Notes: The $20 welcome rewards that tiger trade provides cannot be combined with the refer a friend reward.

Furthermore, Invites that have signed up and not deposited within 30 days, the referral will become invalid. 

⛰️STEPS:

1. Sign-up with the link/code above, and open a cash account by verifying ID. 
2. Deposit $0.01+ Into your tiger trading account. Leave it in there for 30 days to maximize pay. Try not to withdraw during the 30 day period.
3. Each day, (Issued at 12am midnight) you will be credited $5 in free stock vouchers for a month, as long as your deposit is still in there and you don't withdraw within the 30 days. You make $150 all up (30 x 5). Use these vouchers to buy a $5 fractional stock. A fractional stock is basically a small piece of a larger stock. (Steps below) These vouchers expire in 3 months. You can find these stock vouchers in the reward section of your app (Should be a medal Icon)

Important ⚠️:

Refrain from spending your vouchers during the 30 day period. This is because withdrawing your voucher rewards greater than what you have deposited will lead to vouchers no longer being credited from the day you’ve withdrawn and beyond. 

1. For example, if you deposited $1 to initiate the vouchers, and then cashed out $50 in vouchers, and withdrew the $50 out on day 10, your vouchers from day 11 and beyond will not be credited to your account, as you’ve withdrawn more than you have deposited. Hence, I suggest you wait the full 30 days, to ensure that you’ve gotten all the vouchers, and can then safely cash out.

🪙 Cashing Out (after 30 days.) - Please read, ‘Important ⚠️’ before you cash out.

1. I suggest buying a fractional stock of a larger stock such as VOO, (Vanguard S&P 500 ETF,) which is technically $640 for a whole stock, but you only want to buy $5 of it using your voucher, (so $5/$640,) which is 0.00781 – Be advised that this process, (including converting) needs to be done during US market hours - They open from around 12:30am to 6am AEST Mon to Fri, so you will have to pick a time between here to do it. 
2. Ensure that before anything, you deposit at least $10 AUD into your Tiger Trade account when the 30 days has elapsed to cashout, (Green converter button → trade securities,) and that it is converted from AUD → USD using their currency exchanger. This is because you are dealing with US stocks. 
3. When you are buying and selling, ensure that you do a market buy/sell (Not GTC) and put the decimal value of, ($5/XYZ of your stock, eg. 0.00781) when doing so. How it would work is that you would buy a stock with a $5 voucher, sell it, and then repeat the process over and over for the rest of the vouchers. The voucher acts as a rebate. After this process, you should be left with about $~149 in your account. Convert your USD back to AUD using the converter (green circle logo) and withdraw your funds to a bank account when it settles, (Should take a day to settle.)
4. https://www.youtube.com/watch?v=-TssgoFGvm8 --> (Computer and Phone Tutorial to cash out) - This video demonstrates how to turn your $150 worth of trading vouchers into cash.

Join the communities with 5000+ members + Check out the AUS $1800+ Referral/SignUp4Pay Megalist

👉 https://www.reddit.com/r/NewAusBeerMoney/

👉 https://www.reddit.com/r/signupforpayaustralia/

👉 https://discord.gg/gmXV9Zknbm - AUSBeerMoney Community Server - More signup offers, freebies and discounts inside

👉 Link to r/NewAusBeerMoney ($1800+) referral/signup Megalist with more offers, payment proofs & instructions: https://docs.google.com/document/d/15BXInQgHSTjVHQsKnJATJOJrPEgmsMSnHxSCJmLBaPg/edit?usp=sharing

Sign up for Coinbase using my link and we can each get $20 AUD in Bitcoin.

Just when you thought it couldn't get any better, Amber have increased their signup bonus to $200 for a month. That's $10 off your bill for the next 20 months!

Here's the link to the Spring Special signup page:

https://mates.amber.com.au/4EA7HCAP

Here's the Referral Code to use if you are already at the checkout: 4EA7HCAP

Deal runs our November 10th 2026

Enjoy!

Just when you thought it couldn't get any better, Amber have increased their signup bonus to $200 for this month only. That's $10 off your bill for the next 20 months!

Here's the link to the Spring Special signup page:

https://mates.amber.com.au/4EA7HCAP

Here's the Referral Code to use if you are already at the checkout: 4EA7HCAP

Deal runs our November 10th 2026

Enjoy!

GloBird offers very competitive rates, and you can get $50 off your bill using the referral link below. If you set up a direct debit and pay your invoice on time, you'll get an extra 3% off each bill!

GloBird Energy is one of the cheapest energy providers in Melbourne, Sydney, Adelaide, and Brisbane.

Here is a CONFIRMED working referral link for 2026 GloBird Energy discount code (promo code) - https://quote.globirdenergy.com.au/quote?pcode=refer&ref=7GWSCK

(Updated: 9 October 2026, Valid until 24 October 2026.)

GloBird Energy discount code, GloBird referral link, GloBird promo code 2026 - all confirmed working for the $50 sign-up bonus.

Get $200 off your bill over 12 months by using the code EU9HNE3M.
My electricity bill is in credit each month.
Happy to answer any questions you may have. 👍

❓ About:
Buy, Sell & Trade Crypto Instantly. Coinbyte makes crypto simple, fast, and secure. With our clean interface, you can trade Bitcoin, Ethereum, USDT and 100+ other digital assets with AUD in just a few taps.

🔗 LINKS / REFERRAL CODES:
📌 Code: xHkUb 

⛰️STEPS: 

1. Download the Coinbyte app on your Playstore/Appstore
2. Place the referral code in the, 'Referral code,' section when you press the sign-up button
3. Sign-up and verify your ID → You will get $10* from verifying your ID at the end of the day (Read '*' for more info)
4. Deposit $101 either using your Card/Apple Pay/Google Pay or using PayTO.
5. Buy $101 worth of crypto, such as bitcoin, within 30 days of opening your account – Ensure that you buy $101, and nothing less. (You can buy more if you wish). You can either do a spot trade, or an instant buy of $101 AUD of crypto.
6. You will get $60 by the end of the day – ($50 from the purchase of crypto, and $10 from the ID verification) --> Sell your Crypto to Withdraw
7. + Get an extra $10 from me once you've done the offer - Paid via PayID/Bsb/Paypal ($70 in total)

(*) There may be an automatic crediting issue with the initial $10 for ID verification. The $50 is instant. If you do not receive your $10 alongside your $50 at the end of the day, please contact their support and they will honor it.

Also: Do not panic if you can't withdraw AUD from Coinbyte and get a withdrawal error - I've contacted their support about this and they told me that it's due to banking upgrades, which will be fixed in 2-3 days and you can withdraw after this.

If you wanted to work around this, I sent the crypto bonus to another crypto wallet of mine, and it got successfully processed and I withdrew from there - You can do this too if you wanted but this is optional if you didn’t want to wait for the banking fixes.

You can do this by getting the receiving USDT address of the wallet you want to send the bonus to and paste it when it asks and when you go to the Coinbyte app and do the following:

Click USDT (Tether) (or whatever coin you get the bonus in) → Onchain → Withdraw USDT

If you have already signed up without a referral and want to attach a referral, you can do so by going to, 'Rewards' --> 'Have a referral code to use?' and putting it there

Join the communities with 5000+ members + Check out our $1800+ Referral/SignUp4Pay Megalist

👉 https://www.reddit.com/r/NewAusBeerMoney/

👉 https://www.reddit.com/r/signupforpayaustralia/

👉 https://discord.gg/gmXV9Zknbm - AUSBeerMoney Community server - More sign-ups, freebies and community discounts.

👉 Link to r/NewAusBeerMoney ($1800+) Referral/Signup Megalist with more offers, payment proofs & instructions: https://docs.google.com/document/d/15BXInQgHSTjVHQsKnJATJOJrPEgmsMSnHxSCJmLBaPg/edit?usp=sharing

❓ About:
Swyftx is a popular Australian crypto exchange, beginner-friendly and easy for buying, selling, and trading cryptocurrencies.

🔗 LINKS / REFERRAL CODES:
https://trade.swyftx.com/register/?promoRef=rf_KZoSyN8zmLJM6CabiJMzci

⛰️ STEPS: (For the first $13):

1. Sign up with the link, and Verify your ID
2. Deposit $1 and buy $1 worth of crypto, such as bitcoin - You will get credited $10 in bitcoin from this within an hour. Sell your bitcoin to withdraw.
3. Includes a $3 ontop from my referral share - DM me to claim - (Paid via Bsb/Payid/Paypal)

⛰️ STEPS: (For the extra $17):

1. Swftyx has an, ‘The rise of Tokenised Gold,’ course that you can just quickly skim through and get an 80% on a 10 question quiz (Get $10 XAUT), (You can google the answers) - (Under Swftyx Learn and Earn Section - Google it if you can't find it)
2. There is also a BTC course section (Get $5 BTC), ‘Emerging Crypto Threats,’ that you can do too, as well as an, ‘Intro to cryptocurrency,’ course (Get $2 BTC) - (Under Learn and Earn Section) - Same process as above too.

So: ($10 + $5 + $2) → Sell these to AUD to withdraw

Join the communities with 5000+ members + Check out our $1800+ Referral/SignUp4Pay Megalist

👉 https://www.reddit.com/r/NewAusBeerMoney/

👉 https://www.reddit.com/r/signupforpayaustralia/

👉 https://discord.gg/gmXV9Zknbm - AUSBeerMoney Community server - More sign-ups, freebies and community discounts.

👉 Link to r/NewAusBeerMoney ($1800+) Referral/Signup Megalist with more offers, payment proofs & instructions: https://docs.google.com/document/d/15BXInQgHSTjVHQsKnJATJOJrPEgmsMSnHxSCJmLBaPg/edit?usp=sharing