Open a new Lively health savings account (HSA) with a special referral link and get up to $35 as a bonus. You’ll also earn $20 for every person you refer, although this is only targeted to certain members on a limited-time basis.
Lively offers 100% fee-free HSAs with commission-free short-term and long-term investment options through TD Ameritrade. While most HSA administrators are banks, Lively is a software company. And it has clear advantages over its competitors: no fees and solid technology.
Keep reading to learn more about Lively and its current offers.
Lively Up To $35 Sign-Up Bonus

Get up to $35 when you open a new Lively health savings account using a current member’s referral link. Earn $25 when you contribute at least $1,000 within your first 90 days. Receive another $10 bonus when you maintain an average daily balance of at least $2,000 in your first 12 months.
We don’t have a referral link to share. Lively users are welcome to leave referral details in the comments section below.
Why Lively?
In short, Lively offers health savings accounts that has no fees, earns interest and offers free access to investments. You’ll get a debit card to pay for qualified medical expenses, and you can invest your contributions into no-fee ETFs. Plus, your account is fully insured by the FDIC.
Read more: Best Modern Health Savings Account (HSA) Providers
Lively Features
No Fees
There are no fees of any kind, including:
- Monthly maintenance
- Account opening
- Account closing
- Funds transfer
- Debit card (up to 3)
- Excess contribution
- Point-of-sale
- Minimum balance
- Reimbursement
- Investment access
Savings Account
All contributions to your Lively HSA will automatically earn interest:
- 0.25% APY for less than $2,500
- Up to 0.60% for more than $15,000
Debit Card
After joining Lively, you’ll get a debit card that gives you access to the money in your HSA. Use it when you need to pay for your medical expenses.
Qualified Expenses
Lively comes with a useful tool that helps you figure out what is a “qualified medical expense.” Before making a purchase, do a quick search. The tool will tell you if the item can be purchased with your Lively debit card.
Alternatively, you can also buy from the HSA Store, which only stocks HSA-compliant items. Access the store directly from your Lively dashboard.
Investments
Lively HSA makes it easy to invest your HSA contributions using the TD Ameritrade investing platform. Plus, Lively doesn’t require you to have a minimum contribution in order to invest. Many other HSAs do, sometimes as much as $2,000.
Lively $20 Referral Offer
Get a $20 bonus for each person who opens a Lively HSA using your unique referral link. Your referral will also get a $20 bonus for signing up.
This referral program is only open to select members on a limited-time basis.
How To Earn The Bonus
- Log into your Lively HSA and click on the “Invite Friends” tab from the menu. If you don’t see the tab, then the referral program is not available at the moment.
- Share your unique referral link to your family and friends.
- Receive a $20 bonus for each person that:
- Opens a Lively HSA using your unique referral link.
- Makes a deposit of at least $1,000 within 90 days.
- Maintains an average daily balance of at least $2,000 in their first 12 months.
The Fine Print
- You can only earn up to $599 in referral bonuses within one calendar year.
- You will receive your referral bonus by direct deposit.
- To receive your bonus, you must have an active Lively account and a valid United States bank account linked to your Lively account.
Bottom Line
Lively is one of the best HSA providers at the moment. It’s services are fee-free, and its investment options with TD Ameritrade are a great combination of low cost and high quality. Add to that a user-friendly mobile app, and Lively is near impossible to beat.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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Nice intro! I decided to start using Lively after researching available HSA providers in the marketplace. Really love the opening process and the UI! The investment options are also top-notch (they switched from TD Ameritrade to Schwab HSBA).
If you click the link below you and I can get a $25 bonus for signing up. Thanks in advance.
secure.livelyme.com/referral/invite/?referrersOwnerId=f9417551-b2a9-4c2a-ab22-2370c9390cab
Thanks for supplying your code! I used it so look out for your bonus!