Share the

Help spread the word about Onuu—because everyone deserves financial security.

Onuu | Financial security based on you

How to refer a friend


Give your unique referral code to friends, family, and anyone else you care about.


Every time someone you refer signs up for an annual Onuu membership, you’ll get a one-time $50 deposit bonus*.

*Payout will occur 30 business days after payment has cleared.


There’s no limit on the number of people you can refer—so keep on sharing!

Onuu | Financial security based on you

Who should I refer?

We’re working to bring financial literacy and security to the millions of Americans who still don’t have access to it. You can help by sharing Onuu with those you care about, whether they’re:


Starting out their financial journey


Paying off debt


Caring for family members


Just trying to get their finances in order

Program rules

No catch—just a little fine print.

The terms of our referral program make clear that you can only refer your friends, family members, or colleagues whom you personally know. The program explicitly prohibits:


Posting referral codes on any website to share the codes with
people you do not personally know


Paying someone to apply to Onuu for coverage


Creating multiple or fake accounts with Onuu


Using bulk distribution or spam email to strangers


Encouraging people to submit inaccurate information in
their application to get approved (this is insurance fraud,
which may be prosecuted as a felony)

At Onuu, we always aim to do the right thing and comply with all laws, so we’re not able to provide referral rewards to anyone who violates these terms. These guidelines are here to help you avoid violating any laws while sharing Onuu. So please don’t violate these rules, because insurance fraud is serious, and we don’t want anyone committing felonies.

Got questions?

Talking about money can be intimidating.
We’re here to help you make sense of it all.

What is Onuu?

Onuu is a membership that gives you access to banking, credit card, and personalized financial guidance — all in one place. We’ll set you up with our virtual financial guide, Candi, who provides 24/7 support and practical tips to help you achieve your financial goals, from improving your credit with your Onuu credit card to saving smarter with Onuu’s banking tools. We also offer term life insurance for as little as $12/month for up to $250,000 coverage.

How does Onuu make money?

Onuu is a membership-based business, which means we make money through membership fees. Unlike most membership-based services, Onuu’s exclusive products are designed to be affordable and accessible, providing unique value to those seeking financial security.

What’s unique about Onuu’s approach?

Onuu provides a one-stop-shop for our members’ financial lives at an affordable price. With a full view into each member’s financial behaviors, assets, and goals, we’re able to personalize our recommendations and initial insurance offering — and continue making adjustments — as their life situations and finances evolve.

Who is the issuer of the Onuu Life Insurance?

Onuu Life Insurance is issued through our partner AAA Life Insurance Company.

How do I invite friends to join Onuu?

We’re so glad you want to share the Onuu wealth! To refer your friends and family to Onuu, simply find “Invite friends” right in the Onuu app. You’ll get $50 in your Onuu account for every person you refer who becomes a member! (Note: you’ll get monthly installments of $4.16 if your friend pays for a monthly Onuu membership, but if they choose to pay annually, we’ll drop $50 in your account up front.)

Why do I need life insurance?

Life insurance provides financial protection to loved ones who depend on you and can also help build generational wealth. Even if you don’t have dependents, life insurance covers funeral expenses and any debts you may owe that your relatives would otherwise have to cover in the event of your passing.

Can I cancel my Onuu membership?

To cancel your Onuu membership, we require 30-day notice. We don't refund annual memberships.

What is the Financial Security Roadmap? 

Every Onuu member is provided with a personalized financial security roadmap from our virtual guide, Candi. This roadmap includes individualized recommendations based on your unique financial goals, assets, behaviors, and more. It allows you to check in on your progress in real time to help you stay on track with your financial security goals. Throughout your journey, Candi will work with you to monitor and improve your progress so that you can learn financially sustainable habits, both short- and long-term, while building your net worth.

What does Onuu do with my personal information?

To ensure we can provide you with the best services possible, we sometimes have to share your information with our service providers and collect information about the device through which you access the Onuu app. All details are explained fully in our Privacy Policy page.

What is your credit card interest rate?

A variable APR will range from 12.99% to 29.99%.

Can anyone become an Onuu member?

Absolutely — you can do so right from the Onuu app or by reaching out to us at Please note: we require 30-day notice to cancel memberships, and do not refund annual memberships.

Have more questions?

Go to FAQs
Go to FAQs

Get the
Onuu app

Scan the QR code below with your camera and you’ll  be redirected to the app store. Just download the Onuu app and you’ll be one step closer to financial security.