Ally Invest is a major US online brokerage platform offering self-directed investing tools and long-term portfolio solutions.
However, Ally Invest does not currently offer a standalone referral bonus for brokerage accounts.
In this updated 2026 guide, we explain how the Ally Bank Referral Program works, how eligible Ally Invest users can still earn a $100 welcome bonus, and what other promotions Ally offers. We also compare alternative brokers with active referral bonuses. All Ally figures were checked against Ally’s terms and conditions in September 2026.
Ally Bank Referral Program (relevant for Ally Invest users)
What is the Ally Invest Referral Program?
There is no standalone Ally Invest referral program in 2026.
Instead, Ally operates a Customer Referral Program through Ally Bank, which allows new eligible customers, including Ally Invest and Ally Auto customers who have never had an Ally Bank deposit account, to earn a $100 welcome bonus by opening a qualifying Ally Bank account.
Key highlights
- Welcome bonus: $100
- Eligible products: Ally Bank Savings Account or Ally Bank Spending Account
- Program valid until: December 31, 2026 (enrollment deadline, subject to early termination by Ally)
- Eligibility: US residents
- Must not have had any Ally Bank deposit account since January 1, 2024 (as primary or joint owner). Since December 18, 2025, Ally Invest and Ally Auto customers without an Ally Bank deposit account qualify as “New Friends”
- The bonus is treated as interest for tax reporting purposes
For new customers: how to earn your $100 welcome bonus
You can choose one of the following eligible accounts to open. Note that you’re only eligible for one welcome bonus, even if you open multiple accounts.
| Eligible account | Requirements | Open account |
| Ally Bank Savings Account | – Enroll using a referral link by December 31, 2026. – Open the account within 30 days of enrollment, using the same email address. – Set up a monthly automated recurring transfer of any amount (from an external account, set up inside Ally’s online banking) starting within 30 days of account opening, or a Qualifying Direct Deposit (QDD) instead. – Complete 3 consecutive monthly transfers (or QDDs). – Keep the account open and in good standing until the bonus is paid. |
Referral link |
| Ally Bank Spending Account | – Enroll using a referral link by December 31, 2026. – Open the account within 30 days of enrollment and fund it with any amount within 30 days. – Set up and receive a Qualifying Direct Deposit (payroll, pension or benefits payment) within 60 days of account opening. – Keep the account open and in good standing until the bonus is paid. |
Referral link |
- Get a referral link: example referral link: Enroll here. Enroll with your name and email address.
- Open an eligible account: choose one eligible account and open it within 30 days of enrollment. Excluded accounts (money market accounts, CDs, IRAs, trust and custodial accounts) do not qualify.
- Meet the account-specific requirements: follow the requirements listed in the table above for your chosen account.
- Receive your bonus: the $100 welcome bonus will be deposited into your account within 30 days after meeting all requirements.
Important documents
- Terms & conditions for New Friends (effective December 18, 2025)
For existing customers: earn up to $250 in referral rewards per year
Earn $50 for each friend who:
- Enrolls using your personal referral link.
- Opens an eligible account within 30 days of enrollment.
- Funds it with any amount within 30 days of opening (trial deposits do not count).
Maximum reward: up to 5 referrals per calendar year, totaling $250. Since April 2026, Ally may run limited-time promotions that pay more than the standard $50 per referral; eligible customers are notified by email or in online banking.
Steps to refer friends
- Access your personal referral link: log in to your Ally account and get your unique link (only Ally Bank customers selected for the program receive one).
- Share your link: share your link via email, text or social media.
- Track your referrals: you can refer as many friends as you like, but you’ll earn rewards for up to five successful referrals per calendar year.
- Receive your referral rewards: $50 will be deposited into your Ally Bank account within 30 days after each friend funds their new account. Your friend does not need to complete the welcome bonus requirements for you to be paid.
Important documents
- Terms & conditions for Referring Customers (last modified April 7, 2026)
Other Ally Invest promotions
1. Ally Invest transfer fee reimbursement
- Offer: a $75 credit to cover the transfer fee charged by your old broker when you move your account to Ally Invest.
- Eligibility: complete an account (ACAT) transfer of $2,500 or more into a new Ally Invest Self-Directed Trading account.
- How to claim: after the transfer settles, fax or mail the signed Account Transfer Reimbursement Form to Ally Invest Securities. The credit is deposited within 30 days of Ally receiving the form. Ally may modify or end the offer without notice.
- Learn more: Ally Invest transfer fee reimbursement form
2. Ally Bank 14-month Select CD
- Offer: promotional APY on a 14-month Certificate of Deposit (CD), available through March 23, 2027.
- Rate: 4.00% APY on all balance tiers (accurate as of September 2, 2026 and subject to change). Customers renewing an existing Ally CD into this term currently get a loyalty reward of an extra 0.05%.
- Details: no minimum balance required, interest compounded daily, APY fixed for the term, automatically renews into a 12-month High Yield CD. Early withdrawal penalty applies.
- Learn more: Ally Bank 14-month Select CD
Other brokerage referral promotions
| Referral link | Referral promotion |
| Interactive Brokers | Up to USD 1,000 of free IBKR stock (1% of your deposit, held for one year) |
| M1 Finance | USD 75 referral bonus for new customers, plus transfer bonuses for large account transfers |
| Moomoo | Up to USD 1,000 in NVIDIA stock with a qualifying deposit (welcome bonus valid until December 31, 2026) |
| Robinhood | 1 free stock worth USD 5 to USD 200 |
| Webull | Free fractional shares (worth USD 3 to USD 300 each) with a first deposit of USD 100 or more |
Promotions checked in September 2026 and subject to change. Terms and conditions apply to each offer.
Looking for more signup promotions? Check our bonus page, where we share the latest signup bonus available in each country.
Bottom line
While there is no direct Ally Invest referral bonus in 2026, the Ally Bank Referral Program still offers a solid $100 welcome bonus, and since December 2025 it is open to Ally Invest users who have never had an Ally Bank deposit account.
If you’re considering opening an Ally Bank Savings or Spending Account alongside your Ally Invest brokerage, this referral program can still provide real value, as long as you enroll through a referral link before December 31, 2026 and carefully follow the eligibility rules.
