Share the wealth.
Get $100.

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

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 Onuu membership, you’ll get $100.


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

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 a personalized plan to help meet your financial goals. Onuu does this by setting you up with your very own online financial guide, Candi, who will keep you motivated and on track to reach your goals, like improving your credit with your own Onuu credit card and savings goals through Onuu banking tools. Onuu also offers life insurance for as little as $12/month for up to $250,000 coverage to provide your family with extra protection should you pass away.

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 has a full financial view of our members which allows us to tailor our initial insurance offering and suggest adjustments as our members’ life situations evolve.

Is Onuu legit?

Onuu is an appointed agent for our life insurance partner.

How do I invite friends to join Onuu?

Invite your friends and family to join Onuu by logging into the Onuu app, navigating to the home screen, and selecting “Invite friends.”  You get $50 for every person you refer who becomes an Onuu member. You’ll be paid monthly installments of $4.16 for every user you refer as long as the referred user pays their monthly Onuu membership fees. (If the referred user chooses to pay annually for their Onuu membership, you will be paid $50 in full.) 

Why do I need life insurance?

Life insurance provides financial protection to the loved ones that depend on you in the event of your death. Even if you have no dependents, life insurance is important to cover funeral expenses that your relatives otherwise would have to pay and/or protect and pass on your assets.

Can I cancel my Onuu membership?

To cancel your Onuu membership, we require 30-day notice. We are not able to fun 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. 

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?

Typically the APR will range from 19.99% to 31.99%.

Can anyone become an Onuu member?

To become an Onuu member, you must be at least 18 years old, a legal resident of the United States, and meet all of our Membership Terms and Conditions. After completing our online application process and becoming an Onuu member, you’ll be able to apply for our individual products, such as Onuu Life Insurance, Checking Account, Credit Card, and Savings Account. Keep in mind that each product has its own terms and conditions that must be agreed to prior to getting started. 

Have more questions?

Go to FAQs
Go to FAQs