Neobank Spiral Promotions: Up To $50, $200 Checking, Referral Offers (Nationwide)

UPDATE: Spiral will discontinue offering consumer banking services in the upcoming months and all accounts will be closed no later than December 31, 2022.

Find updated Neobank Spiral (spiral.us) promotions and offers here. Typical offers range from $50 to $200.

Spiral is a fintech company, not a bank. Their banking products are provided by NBKC Bank.

READ MORE: See Promotions From Chase Bank, BMO Harris, Bank Of America, TD Bank, And U.S. Bank

Spiral Promotions Review Below

[Expired] Spiral $50 Referral Bonus

• What you’ll get: $50 each
• Where it’s available: Nationwide
• How to earn it:
  • When someone you referred uses your unique referral link to successfully open and fund a new Spiral checking account with $200 or more within 30 days of opening and maintains the account in good standing for 90 days, Spiral will credit your account $50.
  • You can access your unique referral link by logging into your Spiral account and going to the referrals page.
• When it expires: 9/30/2022

Fine Print

• The Spiral Customer Referral Program lets existing Spiral customers refer friends to apply for a Spiral Deposit Account.
• Spiral will credit your account for $50 within 30 days following the month in which the customer maintained the account for 90 days.
• Invitees can use a referral link to sign up.
• All current Spiral customers are eligible to participate in the program and refer friends.
• Referred friends must be new customers to Spiral and have never had a Spiral Checking account in the past.
• Your unique referral link is valid for an unlimited number of invitations.
• This program is void where prohibited.
• They may modify or terminate this program at any time.
• They may refuse to pay any bonus or recover any bonus if they determine that the referrer or referee has abused this offer or if the bonus was fraudulently obtained.

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[Expired] Spiral Up To $50 Checking Bonus

• What you’ll get: Up To $50
• Where it’s available: Nationwide
• How to earn it:
  • Get Up To $50 when you open a new checking account.
    • Get $25 when you fund your new Spiral checking account with $100 and make 5 purchases totaling $100 or more using your Spiral Visa Debit Card; OR
    • Get $50 when you fund your new Spiral checking account with $200 or more and make 5 purchases totaling $100 or more using your Spiral Visa Debit Card.
• When it expires: 4/30/2022

Waive The Monthly Fee

There are no monthly fees

Fine Print

• Offer is not available to customers who have previously made a deposit to their Spiral checking account (excluding micro-deposits to verify external accounts), customers who made a deposit to their checking account in any amount but currently have a zero or negative balance, or customers who received a bonus on a previous checking account at any time.
• To qualify for the $25 checking bonus, checking customers must have an unfunded Spiral checking account (that is, no deposits or credits have been made to the checking account, except for micro-deposits to verify an external account) and make a single $100 deposit on or before the expiration date (cumulative deposits totaling $100 will not qualify for the $25 bonus)
• To qualify for the $50 personal checking bonus, checking customers must have an unfunded Spiral checking account (that is, no deposits or credits have been made to the checking account, except for micro-deposits to verify an external account) and make a single $200 or more deposit on or before the expiration date (cumulative deposits totaling $200 will not qualify for the $50 bonus).
• The $25 and $50 offers are not combined if you make a deposit of $200 or more.
• Once the offer criterion is met, the bonus will be credited to your checking account within 90 days from the date of deposit.
• Checking account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus.
• If the checking account is closed by Spiral, Spiral may deduct the bonus amount from the checking account before the checking account is closed.
• Spiral may issue you an IRS Form 1099-MISC or other appropriate forms reporting the value of the bonus.
• Offer may be withdrawn at any time and is subject to change.
• Spiral and nbkc bank employees are not eligible.

Bottom Line

They previously offered an additional $200 for setting up direct deposit. With this current offer, no direct deposit is required but the bonus is only up to $50. Compare with the best bank promos here, including ones from Bank of America, Chase, TD Bank, Aspiration, Huntington and more.

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[Expired] Spiral $200 Checking Bonus

• What you’ll get: $200
• Where it’s available: Nationwide
• How to earn it:
  • Get $200 when you set up recurring direct deposits of at least $1,500 each month for two consecutive month.
• When it expires: 4/30/2022

Waive The Monthly Fee

There are no monthly fees

Fine Print

• Offer valid through the expiration date, and is available when you have a Spiral consumer checking account.
• To qualify for the $200 bonus, new customers must make recurring direct deposits of at least $1,500 each month for two consecutive months within 90 days of opening the account.
• Existing customers who have not already received a direct deposit bonus and opened an account prior to January 1, 2022, must make recurring direct deposits of at least $1,500 for two consecutive months within 60 days of the end of the promotion.
• Once the offer conditions are met, Spiral will credit the bonus to your checking account no later than 30 days from the last day of the second consecutive month in which the recurring direct deposits were received.
• Offer is not available to customers who have received a direct deposit bonus.
• Limit one per customer.
• The checking account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus.
• Spiral may issue you an IRS Form 1099-MISC or other appropriate forms reporting the value of the bonus.
• Offer may be withdrawn at any time and is subject to change.
• Spiral and nbkc bank employees are not eligible.

READ MORE: See The Best Bank Promotions Here And The Best Investing Promotions Here