The Zoto Refer and Earn Program lets you invite friends to join Zoto. 


You can EARN up to ₦ 20,000 with Zoto referral.

  1. Refer a friend from the app.
  2. You will get ₦ 600 Zoto cash on first successful recharge by your friend through his Card
  3. You can refer friends and earn up to ₦ 20,000
  4. Your friend will get #100 cashback on his first transaction.

All cashback will be credited in Zoto Wallet and within 24 hours of successful transaction.


However, Terms and Conditions apply.