If you’re looking to make money through financial services without becoming a banker or accredited financial advisor, expanding to financial affiliate marketing could increase your earning potential. Marketers and finance professionals are increasingly turning to financial affiliate programs due to the industry’s growth and the high earning potential such programs offer.
The Appeal of Financial Affiliate Marketing
An increased demand for financial products and services has driven the finance industry to expand, encompassing everything from online banking and cryptocurrency to easy DIY investing solutions. Statista, an independent data platform, reports that the total revenue for the United States finance market should grow by 9.57% per year, reaching $1.2 billion by 2029.
In addition, the affiliate marketing industry is rapidly growing and offers excellent earning potential. Affiliate marketing spending in the United States reached $9.56 billion in 2023, and affiliate marketing spending could reach $12 billion per year by 2025, according to Statista.
The expansion of these two markets has led to more income-earning opportunities and the chance to work with affiliate partners in more specialized fields like finance. Finance affiliate marketing revenue structures are often based on cost-per-action (CPA), meaning you’ll be paid when a user completes a specific action, such as signing up for an online banking account or applying for a loan. The CPA structure can offer more earning opportunities than cost-per-click (CPC) structures, especially when you consider that some finance affiliate programs offer commission rates of up to 50%.
If you’re looking for a potentially high-reward affiliate marketing niche, adding financial services to your lineup or starting a platform specifically for financial affiliate marketing can be a great additional income stream.
5 Highest Paying Affiliate Programs in Financial Services in 2025
Many banks, financial institutions, and credit card companies have financial affiliate programs. All of these affiliate marketing programs have different commission rates and structures, so it’s essential to choose a program that can help you maximize your earnings.
While the finance affiliate programs below are ranked from highest maximum commission to lowest, don’t overlook some of the programs with lower commission rates. For example, Wise pays commissions of $63 for business customer signups, but Quicken offers $5 when you refer someone who signs up for a free trial of Quicken Simplifi. Since Quicken Simplifi costs just $2.99 per month and the trial is free, you’re likely to encourage more individuals to take advantage of this low barrier offer, leading to more conversions and potentially higher earnings.
1. Wise
Niche: Money transfers
Commission rate: Starting at $12 for personal users and $63 for business customers (UK rates)
Wise offers individuals and businesses high speed, low fee money transfers in more than 50 currencies. With the Wise affiliate program, you can earn commissions when users send money transfers, spend currency using the Wise card, or sign up for a business account. The program issues payouts every 30 days, and you’ll have a single universal link to all Wise products, so it’s easy to promote different products without managing multiple links. You can promote Wise to an audience in any country, and the program’s generous one-year cookie limit means you’ll still receive a commission even if users sign up for Wise using some of your older content.
2. Quicken
Niche: Finance management
Commission rate: $5 to $40 per order
Quicken, a personal finance management platform, offers numerous budgeting and saving subscription tools. Quicken Simplifi, the base plan, starts at $2.99 per month, and that low price point may encourage followers to sign up for the trial. The cookie window is 30 days, and you’ll receive payment 30 days after your earnings are invoiced.
3. Coinbase
Niche: Cryptocurrency
Commission rate: 50% of referees’ trading fees for their first 3 months
Coinbase specializes in the buying and selling of cryptocurrency including Bitcoin, Ethereum, and Dogecoin. As an affiliate marketer, you can earn a commission on the first three months of trading fees when a new customer joins Coinbase through your promotions. You can set up more than 20 customizable performance reports to monitor your campaigns on the Coinbase platform, and payments are made electronically through PayPal or to your bank account. At this time, the affiliate program is closed to the UK.
4. Credit Karma
Niche: Credit monitoring, loans, banking
Commission rate: $4 to $7
Credit Karma Affiliate Program
Credit Karma is a well-known business in the credit monitoring industry, and its strong reputation may help your affiliate marketing efforts to convert new customers. The program offers $7 for new member signups, as well as a $4 payment for any existing members who sign into their Credit Karma accounts after 365 days or more of inactivity. The cookie period is 30 days, and this program excludes social media, SMS, and email touchpoints.
5. Acorns
Niche: Investing, banking
Commission rate: $5 referral bonus per new user signup
Breaking down the task of investing and saving money into a manageable, user-friendly process, Acorns offers DIY investing and a debit card that invests spare change with each purchase. With its affiliate program, you can earn a $5 referral bonus each time someone you refer becomes a subscriber and makes a deposit in their Acorns Invest account within 14 days. That new subscriber will also receive a $5 investment from Acorns, which can help encourage them to sign up. You’ll receive your bonus in your Acorns account within about 30 days.
4 Best Financial Affiliate Networks
Your affiliate network choice can also impact the success of your financial affiliate marketing. While an affiliate program connects you with a single business that you can then promote, a quality affiliate network can connect you with multiple businesses, so you can present more diverse products and services to your audience. Being able to promote businesses in different niches could help you to access untapped opportunities among your audiences while boosting your income.
The best financial affiliate networks can connect you to some top finance businesses, simplifying your affiliate marketing administrative processes while offering numerous opportunities.
1. Partnerize
Partnerize specializes in retail, travel, finance, and subscription brands, including Wise, which is included in the best financial affiliate programs ranking. Partnerize allows for payments at multiple customer journey stages, such as at lead capture and approval. There aren’t hidden add-on fees, and fixed pricing structures make commissions easy to understand. The platform delivers real-time analytics for empowered decision-making and performance monitoring.
2. Awin
Awin is one of the top global affiliate networks and works with over 30,000 brands, including Credit Karma. The platform focuses on the finance and insurance, retail and shopping, fashion, travel, and telecoms and services industries. Awin supports publishers with technology to help you measure campaign success, and the platform’s Accelerated Payments feature helps ensure that advertisers quickly pay affiliates their commissions. When you first sign up, you’ll need to pay a $1 verification fee.
3. CJ
Having operated in the affiliate marketing industry for over 20 years, CJ’s portfolio includes finance brands like USAA, Ally, and Barclays. CJ offers publishers numerous tools, including strategic recommendations based on factors like distribution model and region, which may help drive conversions. An interactive onboarding experience helps publishers showcase their value, and you can join programs on the network with a single click. Details for earned commissions are available on demand, and you can receive payments in your local bank account via Payoneer.
4. Impact
Impact.com is a newer affiliate network but has already built a marketplace that includes thousands of brands, such as Quicken and Robinhood. Together, those brands represent more than 600 million products. The platform’s Trackonomics help publishers analyze and improve their marketing, and it’s easy to apply to work with partner brands right from their product pages.
How to Choose the Right Financial Affiliate Program
To maximize your earnings, you’ll need to choose a financial affiliate program that’s right for you and your audience. Consider these factors as you explore different programs.
Look For Products That Fit Your Niche and Audience
Before you start looking for specific businesses and products, think about your niche. If you specialize in budgeting and money-saving advice, savings accounts, budgeting apps, receipt trackers, and investment apps could all be a good fit. When you choose products that are highly relevant to your content, promoting them reads less like a sales pitch and more like helpful advice for your audience.
If you have an established platform, this is the perfect time to engage with your audience and learn more about their finance pain points. Look for businesses and products that address those pain points and that are likely a good fit within your niche and audience, such as a simple, user-friendly app that simplifies investing for those looking to make their first investments.
Choose Products and Services You Use
It’s always helpful to choose products or services that you use. This experience allows you to discuss the products in genuine and well-informed ways, plus it can build your audience’s confidence in the products or services.
It’s also easier to promote products and services that you believe in. Your audience will likely pick up on your authenticity, and you’ll have the satisfaction of knowing that you’re promoting products and services that will help your audience.
Look For Companies With Strong Reputations
In addition to choosing products that you believe in, look for companies with strong reputations. When a company is known as being trustworthy and has stellar customer reviews, it can be easier to market that company to your audience and encourage purchases or signups. Plus, when your customers have a positive experience with a company, they’re more likely to make future purchases, which could result in additional commissions.
Remember, your reputation is on the line, too. If you market a product or company that leaves customers dissatisfied, your audience might lose trust in you and any product recommendations you make.
Consider Commission Rates
Review each program’s commission rates and commission structure and consider how well it might work with your audience. Commissions can range greatly in the finance industry, and you’ll find flat rate and percentage based commissions are common. Flat rate commissions can range from about $4 to $100 or more, while percentage-based commissions can vary from 5% to about 50%.
Think carefully about the actions that result in these commissions. A larger $100 commission might be appealing, but those commissions are often reserved for high-ticket items, like a customer who is approved for a new business loan. Depending on your audience and its size, you might earn more with a smaller $5 commission for each customer who signs up for a free trial.
Choose Programs With Longer Cookie Durations
Each affiliate program has a cookie lifetime or duration, and that lifetime determines how long you’re associated with a customer and their purchases when they click on your affiliate link. If a cookie lifetime is 30 days, then you’ll be eligible for commissions on qualifying purchases or actions a customer makes within the 30 days after they initially click on the link. You won’t be eligible for commissions on any actions the customer takes after those 30 days expire.
Cookie durations can range from 24 hours to 90 days or more, but cookie lifetimes around 30 days are about average.
Review the Contract
Before you sign up with a financial affiliate program, carefully review the contract. Pay close attention to the terms and conditions to make sure you’re comfortable with them and that you won’t inadvertently violate them. If you have any questions about the terms and conditions, get clarification before you sign up.
Key Takeaways
Finance affiliate marketing can be a rewarding and profitable business venture. Once you choose the programs that are best for your audience, consider how to attract traffic to your site and affiliate links.
While the financial niche is full of opportunity, it’s also highly competitive, so a quality, thorough, and unique content marketing, advertising, and promotion strategy is essential. Choose Taboola as a powerhouse platform for your content management campaigns.
Looking for additional high ticket affiliate marketing programs? If so, read up on the best real estate affiliate programs and the best dating affiliate programs to create additional passive income online.
Frequently Asked Questions (FAQs)
Can you make $10,000 a month with affiliate marketing?
It’s possible to make $10,000 a month with affiliate marketing, but many factors will impact your income, including your audience size, your platform, commission rates, and how well the products and services fit your audience’s needs. It can take some time to build up your affiliate marketing income, so be patient and take advantage of any data and marketing insights that a platform provides to continuously improve your marketing.
What is the most profitable affiliate?
Certain affiliate niches can be highly profitable. The artificial intelligence niche has experienced rapid growth, and Forbes reports that the overall AI market will reach $1,339 billion by 2030. Personal finance tends to also be a highly profitable affiliate niche, as well as the travel and pets niches.
Is finance a good niche for affiliate marketing?
The finance niche can be an excellent choice for affiliate marketing. The niche provides plenty of opportunities, and the finance industry is expanding into AI, online banking, cryptocurrency, and more. Additionally, the World Economic Forum’s 2024 index indicates that the United States financial literacy rate is around just 50%, meaning there are many opportunities to educate consumers and help them find the financial products and services they need.
