--- title: 'How to Actually Earn Your First 200k Rubles from Scratch (No-Fluff Guide)' source: 'https://youtube.com/watch?v=BYz5RC8LPDY' video_id: 'BYz5RC8LPDY' date: 2026-08-05 duration_sec: 334 --- # How to Actually Earn Your First 200k Rubles from Scratch (No-Fluff Guide) > Source: [How to Actually Earn Your First 200k Rubles from Scratch (No-Fluff Guide)](https://youtube.com/watch?v=BYz5RC8LPDY) ## Summary This video presents a guide to earning a first 200,000 rubles through bank affiliate marketing, focusing on legal methods using incentive traffic. The host explains how banks pay for new clients and outlines strategies for maximizing earnings through credit cards, microloans, and cash settlement services, while cautioning against common pitfalls. ### Key Points - **Introduction to Bank Affiliate Marketing** [00:06] — The video introduces the concept of earning money by attracting new clients to banks through referral links, a process known as bank traffic arbitrage. - **How Banks Benefit** [00:20] — Banks earn from transactions (e.g., 1-2% per purchase) and are willing to pay partners for new clients because the long-term value of a client is high. - **Incentive Traffic** [00:33] — Incentive traffic involves attracting clients to banking products for a reward. Banks often don't pay for this, but the video claims to show a legal way to use it. - **Popular Banks and Referral Programs** [01:23] — Sberbank, T-Bank, VTB, and Alfa Bank offer referral programs, paying around 1,500 rubles per friend who activates a card. Less popular banks pay more. - **Avoiding Common Pitfalls** [02:05] — Beginners often lose money by using well-known affiliate programs like Pompadu, Raanat, or Unicorn, which cut partners. The video suggests using a special closed affiliate program instead. - **Three Main Areas for Earnings** [02:58] — The three areas are microfinance (microloans), cash settlement services (RKO), and credit cards. One person can earn 16,000 rubles on credit cards and 40,000 rubles from one microfinance organization. - **Credit History Impact** [03:10] — Taking and repaying microloans on time improves credit history, as shown on nbkii.ru, contrary to common fears. - **Cash Settlement Services (RKO)** [03:37] — Affiliate programs for RKO offer significant payouts: VTB RKO 6,000 rubles, Gazprom 10,000 rubles, and Alfa Bank around 25-30,000 rubles. - **Scaling with Friends** [04:05] — By helping 10 friends, one could earn 700-800,000 rubles, though it requires effort and time. - **Legal and Tax Considerations** [04:33] — The schemes are free to start, and the host advises registering as self-employed and paying taxes on income. ### Conclusion The video provides a practical, legal approach to earning through bank affiliate marketing, emphasizing the importance of using reliable affiliate programs and scaling through referrals. It encourages viewers to act responsibly and legally. ## Transcript how to earn your first 50 dashes of 100,000 rubles. from motivated traffic without gray schemes, only legally and illegally. And at the end I’ll give you a bonus that you Leo Broni here, and let's get started. Bank traffic arbitrage is the process of attracting new clients to popular banks for cards, individual entrepreneurship, loans, and any other products. Our earnings are based on the fact that we open an referral link, and register people with these banks. Incentive traffic in this case is attracting clients to banking products for a reward. This is the easiest way to farm referrals, but banks have long since caught on and don't pay. But in this video I will show you how you can legally use this method without any skills or experience. But first things first. You'll probably ask me: why should a bank pay its partners anything at all? For example, you wanted to buy yourself a new computer worth 100,000 rubles? You will pay for it with a free debit card. I bought a computer, the bank gets 1 dash 2% from this transaction, or one or 2,000 rubles. That is, even with regular cards he earns quite well. loans and other things. But there are never too many clients , especially considering that there is a lot of competition in the banking sector. That's why banks offer client over, paying, for example, 5,000 rubles, and in the long term, receiving hundreds of thousands from him. The most popular banks are Sberbank, T-Bank, VTB and Alfa Bank. And each of them has an to earn money is to invite a friend, where they pay, say, 1,500 rubles. This link can be found in any bank's app. You can share it with your friends, acquaintances and relatives. For creating and activating the card, you receive 1,500 rubles, part of which you can give to them. Moreover, the less popular the bank, the more it pays. You first-class banks can bring in. And if you take one friend and he issues all these cards, then the profit will be quite good, and this is just a lot of affiliate programs now, but there are Through each of them, you can register as an individual entrepreneur and take out loans and receive 15-20,000 rubles. want to get into a search engine and start typing in affiliate programs in the financial vertical. But don't rush. There is one nuance due to which beginners lose a lot of money. Everyone has heard of such giants as Pompadu, Raanat or Unicorn. They are advertised everywhere. But there is one problem. These affiliate programs cut a nuances and pitfalls. Therefore, we will take a different route through a special closed affiliate program. By the way, access to it is available on Sergey Drozdov's Telegram channel. Leave a link in the description below the video. Subscribe and write to the admin in private messages, I want an affiliate program. And they will send you contact information for a call you and show you how to register, provide you with a personal money. And all of this is absolutely free, , and not to take a fixed amount of cash, like the infocygans. Okay, okay, I got a little you understand the scale. Once you've found a partner, you'll work with three main areas: microfinance, cash settlement services, and credit cards. One person can make 16,000 rubles on credit cards alone. Microloans, that is, microfinance organizations. Many people are afraid of this word, thinking that it contains reality, one person can close 40,000 rubles from one microfinance organization. You may have this question: what about your credit history? No, it won't go bad. On the contrary, when you pay off the loan early on time, you improve it. If you don't believe me, I'm your credit history. I also show the credit history of the lead fully repaid them. And you see that his credit history has not suffered at all, but has only improved. The site is called nbkii.ru, and you can see all this information there. And what about the interest? The first loan is often interest-free. The next thing services. There is an excellent affiliate program for starting FSN. Yes, I know. Many people are complaining that the super offer for 9,500 rubles has been removed . from Alfa-Bank. But he who seeks will always find. Look at the numbers. VTBRKO is 6,000 rubles, Gazprom is 10,000 rubles. Well, plus Alfa Bank - that's already around 25 or even 30,000 rubles. For example, you have 10 friends who also want free stuff. Help him out of 10 people. This is already 700 dash 800,000 rubles. in the pocket. Yes, it certainly sounds like a fairy tale from some infidel. Of course, it’s not easy, the circle is not fast. And of your friends, but if you maximize your purchases, you can earn a good income. Well, something like that. In a very short time, I gave you a very sure many of you will be able to start earning. Let me repeat again, I do not give encourage you to do anything. Think with your own head and make decisions. All the schemes free. You don't need to invest a single penny. And if someone asks you to refuse. It is also best to pay taxes on this income and register as self- employed. earn money honestly. And that's all. If you found this video helpful, please like it, comment about whether you've ever tried making money from something similar and what your success rate was. If we get 300 likes on this video, I'll make a sequel. Also subscribe to my Telegram channels, there is a lot of useful in the description. You were on the FASE channel. It will get even more interesting further on.