> For the complete documentation index, see [llms.txt](https://handbook.spend.market/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://handbook.spend.market/getting-started/ways-to-earn.md).

# Ways to Earn

Spend Market has two onboarding programs that put promo balance in your account. They're separate, and you can stack them.

> **Promo balance, in one line:** it's display credit you trade with on Spend Market, not cash. You can't transfer it or withdraw it directly. But anything you win trading with it is real, and real winnings are yours to withdraw anytime. Promo is how you get in the game; winnings are how you cash out.

1. **Connect a bank.** Link a bank account and earn $5 in promo credit. Optional, never required to trade, and a separate program from referrals. See [Connecting a Bank Account (Optional)](/getting-started/connecting-a-bank-account-optional.md).
2. **Refer a friend.** When a friend signs up with your code and trades $5 or more, you both earn $5 in promo credit. See [Referrals](/getting-started/referrals.md).


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