Step 1
Join the referral program
Open the Settings tab in your Money SMS app and look for the Referral Program section. Tap it to see your unique referral code, along with simple tips on the best ways to share it.
Share Money SMS and earn 30% of every withdrawal your friends make — no limits, no extra work. They also get a €0.50 bonus for signing up with your referral code.
Active — earning 30% from every friend.
Invite as many friends as you want — there's no limit.
The referral program is one of the most powerful ways to increase your Money SMS earnings.
Receiving SMS is your main way to earn, and referral income stacks right on top. Every friend who joins with your earn money referral code keeps adding income on its own, no matter how active you are.
Refer a friend once and keep earning from them for years — no expiry date, no inactivity limit.
Invite 5 friends or 500 — there's no cap, and every new friend adds another stream of income.
Your friends aren't just helping you earn — the moment they enter your money app referral code at sign-up, they unlock a €0.50 welcome bonus of their own.
Sharing a code and entering one work a bit differently — switch below.
Open the Settings tab in your Money SMS app and look for the Referral Program section. Tap it to see your unique referral code, along with simple tips on the best ways to share it.
Tap your code to copy it, then send it to friends so they can enter it during registration. Everyone who uses your code is linked to your account, and your confirmed count shows below it.
Once your friends sign up and start earning, you automatically receive 30% of every withdrawal they make — for as long as they use the app. Open Balance to watch it grow.
When you set up Money SMS, you'll reach the Email and password screen. Enter a real email address and choose a password — you'll need them later to withdraw.
On that same screen, tap "I have a referral code" and enter your friend's code before continuing. This is the only moment you can add it — skip it and the bonus is gone for good.
Open the Balance tab and you'll find a €0.50 welcome bonus already there — €0.25 for joining, plus €0.25 for entering a referral code. A head start toward your first payout.
Real experiences from the Money SMS referral program.
"A friend provided me with the referral link and I signed up with a lot of skepticism. I waited to complete 2.03€ to see if I could withdraw it. It worked, arriving to my wallet within the time frame established by the app."Manuel Alonso Verified review
"Referral gets you 30% of your referrals cashouts. That doesn't affect their income, they would still get the same amount of money. Conclusion: the referral code is also a nice way to earn money with this app."r/beermoneyglobal Community discussion
Your commission lands in the same balance as the rest of your earnings — withdraw it through any of these three payout options.
Direct transfer to your PayPal account.
Paid to your Bitcoin wallet on-chain.
Faster on-chain settlement than Bitcoin.
Speeds shown are after Money SMS processing, which takes 24–48 hours.
Common questions about the referral program.
Yes. The referral program is open to every Money SMS user, in any country — there's no regional limit on getting your code, sharing it, or earning your 30% commission. How much your friends earn day to day depends on demand for their network, but anyone, anywhere can take part.
There isn't one universal code. Every Money SMS user has their own unique code inside the app's Settings. Get a code from a friend to claim your sign-up bonus, or share your own to earn 30% commission from everyone you invite.
No. You can't refer yourself — your code has to be entered by someone else when they sign up. Each confirmed referral has to be a different person.
No. Your 30% is paid by Money SMS on top of what your friend earns — it never comes out of their balance. They keep every cent they make from receiving SMS and test calls, and your commission is added to your account separately each time they cash out. It's a real win for both sides.
Your commission goes into the same balance as the rest of your earnings. You can cash it out to PayPal, Bitcoin, or Litecoin once you reach the withdrawal minimum — there's nothing extra to set up.
Grab your referral code — money lands in your balance every time a friend cashes out, and you keep 30% of it for life.