Spruce Money: $100 Signup Bonus and $100 Referrals

Spruce Money Bonus

Spruce is a mobile banking platform and financial technology app built by H&R Block that provides spending, savings, and budgeting tools. It is not a bank itself, but provides banking services through Pathward®, N.A., Member FDIC.

Now they are offering a $100 signup bonus and referral bonus. Both parties earn $100 and there’s a limit of 5 referrals. If you have a referral, you can share it in our Facebook Group. If you’re looking to apply, check out the details below.

Offer Details

Here’s how this bonus works:

• Open a new Spruce Account between April 1, 2026 and April 15, 2026 using a valid and unexpired referral link
• Receives $200 in qualifying direct deposits (see what works) and activate Spruce debit card (you can just quickly update the virtual debit card) within 45 days.
• The $100 reward amount will be deposited into your Spruce Spending Account within 7 business days after all requirements are completed. 

Important Terms

• Not available for residents of Washington state.
• Offer may be modified or discontinued at any time. 

Guru’s Wrap-up

This is a small but easy bonus. It takes just 30 seconds to open the account and you get $100 for completing a $200 direct deposit.

If you’re in 2-player mode, you can also invite P2 and earn a total of $300.

I don’t have any datapoints on what triggers the direct deposit requirement. So if you have any, you can share them in the comments below or here.