Moppy Referral Code: How to Earn and Cash Out in Japan

If you only sign up for one Japanese point site, Moppy is usually the first name that comes up. Plenty of articles will tell you “get ¥X with a referral code” — far fewer explain what you actually have to do to receive that bonus, or how to get your points out without losing a chunk to fees.

Everything below was checked directly on Moppy’s own pages (sign-up page, cash-out page, notices, campaign pages) on 12 August 2026. One important thing: a major cash-out route is currently suspended, so guides written last year no longer work as-is. That is covered here too.

What Moppy is, in numbers

Moppy pays you points when you go through its links to use an advertiser’s service — online shopping, credit card applications, opening bank or brokerage accounts, apps, surveys. Those points convert to cash, gift cards or airline miles. Advertisers pay Moppy, and Moppy passes part of that back to you, so it costs you nothing to use.

All of the above comes from Moppy’s official sign-up page. The 1P = ¥1 rate matters more than it sounds. Some competing sites use 10pt = ¥1 or 20pt = ¥1, which makes offers look bigger than they are until you do the maths. With Moppy the number on the offer is the number of yen.

Can foreigners in Japan use Moppy?

Yes — there is no nationality or visa requirement, and you are not asked for a residence card. But there are four practical things worth knowing before you spend time on it.

2,000P via a referral code — and when you don’t get it

Moppy runs a friend-referral programme: register through a referral link or code and you get a sign-up bonus that normal registration doesn’t give you. This site’s referral code is myQjA1df, and it is applied automatically if you use the button below.

How to count the deadline

“The end of the month two months later” means exactly that: you do not count the month you registered, so in practice you have roughly two to three months. There is no need to rush into offers you have no interest in. Your exact deadline is shown in your Moppy account page after you register, so check it there. One catch: points only count once they are approved. Shopping offers can take two to three months to confirm after delivery, so leaving it to the last minute can miss the window. Earlier is safer.

What the referrer gets (so you know the mechanics)

Moppy’s own sign-up page states that a referrer receives “for example 10% of the points the person you referred earns, paid by Moppy”, plus 300P for each successful referral. That 10% comes out of Moppy’s budget, not out of the points earned by the person who signed up. Your own total is not reduced because someone referred you.

Signing up in 3–5 minutes (and where people get stuck)

1. Open Moppy through the referral linkUsing the button in this article fills in code myQjA1df automatically. If you enter it manually, there is a “紹介コード” (referral code) field on the member details screen.
2. Register your email and enter the verification codeThe verification email frequently lands in spam. Check there first if it doesn’t arrive.
3. Fill in your member detailsNo real name needed — a nickname is fine. Confirm the referral code field here.
4. Complete SMS verification with your phone numberEnter the code you receive and you’re done.
5. Earn 5,000P by the end of the month two months after joiningOnly once this is done does the 2,000P sign-up bonus arrive. Following the earning order, one card application or account opening usually clears it in one go.

Note that SMS verification is also required when you cash out. Putting it off until “later, when I’ve saved up” just means being blocked on the day you want your money. Do it while you’re signing up.

“Moppy is dangerous” — checking each claim

Search in Japanese and you’ll see 「モッピー 危険」 and 「悪質」 come up. Read the actual complaints, though, and two very different things are being mixed together: whether the service itself is risky, and whether people used it incorrectly. Taking them one at a time.

1. Who runs it? A TSE Prime-listed company

Moppy is operated by Ceres Inc., listed on the Tokyo Stock Exchange Prime Market. Listed companies file public accounts and disclose what their business does. Over 20 years of operation, more than 14 million registered users, and it holds the Privacy Mark certification. This is not the kind of service where you can’t tell who is behind it.

2. Worried about personal data? No real name required

You register with a nickname. A phone number is needed for SMS verification, but that exists to stop one person creating multiple accounts and claiming bonuses repeatedly — standard practice for point sites. If you’d rather keep things separate, create one email address just for this and the practical downside more or less disappears (more on email further down).

3. Points get rejected — but the advertiser decides that, not Moppy

This is the core of most complaints. The important detail: approval and rejection are decided by the ad agency and the advertiser, not by Moppy. Moppy isn’t quietly cancelling your points. Rejections almost always come down to an offer condition that wasn’t met, or the click-through not being recorded properly. How to avoid both is in When points don’t show up.

4. “It pays less than it used to” — true, but the target moved

Being honest: yes, plenty of offers pay less than they once did. But high-value offers — card issuance, brokerage and bank accounts — still routinely exceed 10,000P each. “Tens of thousands of yen a month by clicking around daily” is not realistic. Routing things you were going to do anyway through Moppy still produces a very real difference.

5. Too many emails — also true, but adjustable

Correct. You can change the types and frequency in your account settings. Details in Too many emails, or quitting.

7 ways to earn, in the order that actually works

You don’t need all of them. Work down from the highest-value ones and stop once the condition is met — that’s the least effort. In particular, the 5,000P needed for the sign-up bonus is usually covered by a single item from ① or ②.

③ The mistakes that cost people their shopping points

By far the most common is thinking you clicked through when you didn’t. These three are real reasons points don’t appear.

• Going to the shop directly: you must move from the offer page inside Moppy. Opening the site from a bookmark or the app isn’t recorded.
• Not re-clicking for each shop: with something like Rakuten’s multi-shop campaigns, click through again for every shop.
• Device tracking settings: Moppy’s own help pages tell iPhone users to go to Settings → Privacy & Security → Tracking and switch “Allow Apps to Request to Track” on, and also to enable Privacy & Security → Apple Advertising → Personalised Ads. Restricting ad tracking is a documented reason points fail to register.
• Clear cookies and cache before using an offer: Moppy’s help states plainly that its points are measured using browser cookies. Clearing them — especially right after browsing other sites’ ads — cuts down on lost points.

Offers that hand off from browser to app (the Rakuten Ichiba app, for instance) can also break if you open another app midway. Go from cart to payment without detours.

A real example — how far apart are “1%” and “24,000P”?

Numbers on their own don’t land, so here are two screens searched inside Moppy on 12 August 2026. They make it obvious why the order above is what it is.

Example 1: Rakuten Ichiba = 1.0% (the kind that lifts your baseline)

Source: Moppy on-site search for 「楽天市場」 (retrieved 12 August 2026)

Rakuten Ichiba pays 1.0% of what you spend. A ¥10,000 purchase returns 100P (¥100). This is on top of the Rakuten points you already earn — the usual “double dipping”.

One per cent sounds unexciting, but you’re only changing the route to a purchase you were making anyway, so the effort is close to zero. Spend ¥30,000 a month online and that’s ¥3,600 a year. It isn’t something to chase; it’s a base that builds while you ignore it.

Example 2: SBI Securities = 24,000P (the kind that ends the job in one move)

Source: Moppy on-site search for 「SBI証券」 (retrieved 12 August 2026)

Searched the same day, SBI Securities paid 24,000P for “open a new account + deposit ¥50,000 or more (transferred to SBI Hybrid Deposit)”. Same broker, very different offers: “general account + NISA account” was 7,500P, iDeCo 6,000P, FX 17,000P.

Matching 24,000P at Rakuten’s 1% would take ¥2.4 million of shopping. That is the entire argument for doing the high-value offers first. And with SBI Securities specifically, the deposit can be withdrawn again, so almost nothing is tied up (investment decisions are your own).

Guides on this site that pair with Moppy

Knowing how good the underlying offer is before you click through makes the decision much faster. The combinations that come up most often:

Cash-out routes (measured August 2026)

This is the part that has changed most. The old default of “send everything through Dot Money” does not currently work. What follows was checked on Moppy’s official cash-out page on 12 August 2026.

Taking it as cash (the fee spread is large)

Same “cash out”, but Mizuho or a shinkin bank takes 154P. On a 300P (¥300) transfer that’s nearly half. Having a PayPay Bank or PayPal account brings that to zero — this is purely a matter of knowing, which is what makes it annoying to lose.

Gift cards, e-money and miles

Source: Moppy official point exchange page (retrieved 12 August 2026)

What changes when you hit Gold rank

The previous section mentioned that Gold members get a free Rakuten Points exchange. People often qualify without realising, so it’s worth knowing how it works.

Moppy has exactly two ranks: standard and Gold — no silver or platinum. Meet both of the following within a six-month qualifying window and you become Gold from the 1st of the following month, for six months.

In other words: one card or account (A) + one purchase (B) + 10,000P total. Follow the order above — do ① or ② first, then use ③ once — and you will usually qualify without trying.

Two benefits

• 1. A 15% rank bonus: when an offer marked “15％増量” is approved, 15% of the approved points is added. A 3,000P offer becomes +450P. Capped at 10,000P per month, paid on the 1st of each month.
• 2. One free exchange per month: banks, shinkin banks and Seven Bank ATM pickup are covered. The bank that was costing you 154P in the table above is free once a month.

JAL miles at an effective 96% — August only

Of all of Moppy’s cash-out options, the standout right now is JAL miles. Moppy’s own “Dream Campaign” and JAL’s “JAL×moppy summer mileage rate-up festival” stack, which is how Moppy’s page arrives at an effective 96% conversion.

Moppy’s campaign page states that JAL mile conversions via other services mostly land at around 50% (note that this comparison is Moppy’s own claim about competitors). Even allowing for that, the gap is substantial. If you collect miles, whether you convert during August materially changes the result.

Source: Moppy official “JAL mileage Dream Campaign” page (retrieved 12 August 2026)

ANA miles can in fact be converted directly from Moppy — but the rate is 1,750P → 500 miles (no fee, 1–3 days), which works out at roughly 28.6%. Against JAL’s effective 96%, it isn’t close. That poor direct rate is exactly why ANA collectors have relied on intermediaries such as Dot Money — and Dot Money was under maintenance until 13:59 on 12 August. For at least the first half of the month, even ANA collectors were better off routing through JAL.

When points don’t show up

First, an important premise: not every offer appears as “pending”. Moppy’s own help pages state that offers without a 「予定明細」 entry skip the pending stage and go straight to approved or rejected at the confirmation date. Not appearing as pending does not mean it failed.

Check these before contacting support

1. Look up the offer’s confirmation timingIt’s stated on the offer page. Shopping offers can take two to three months after delivery.
2. Re-read the conditions“First-time only”, “specific plan or above”, “use within X days” — these details are where offers are lost.
3. Check your click historyIf there’s no record there, the click-through never registered.
4. If the date has passed, askYou can raise an enquiry from the click history. Having your order number and application time to hand makes it much faster.

Keeping points alive, and the one-account rule

The 180-day rule (Terms of Use, Article 16)

Moppy’s help pages list two ways points expire:

• 180 days pass since you last earned points
• You don’t log in for 180 days or more

Conversely, logging in and earning at least 1P extends the deadline. Two details matter: logging in alone is not enough, and points still pending don’t count. Moppy suggests answering a survey to pick up at least 1P; click points and daily-earn content also qualify.

One account per person; family members each get their own

Moppy’s help states plainly that account creation is limited to one per person. Holding several may be treated as improper use, and anyone with multiples is asked to close all but one.

That said, household use is not prohibited. Moppy’s guidance is that family members should each create their own account and register their own details. In practice the thing that causes trouble is a shared computer where someone forgets to log out and uses an offer under a family member’s account. Use separate devices.

Tax: when you need to file

Point earnings do have a tax treatment in Japan. Broadly, the classification depends on how you earned them.

Used normally — say a few tens of thousands of yen a year — you won’t come close to a filing requirement. It changes if you work through many high-value offers and reach the hundreds of thousands of yen a year, or if you’re self-employed. Once the amounts grow, keep a record of dates and values; it saves trouble later.

Too many emails, or quitting

The single most common complaint about Moppy is email volume. There are three levels of response.

Note that closing your account forfeits your points. If you have a balance, cash out first, then close.

The same offer pays differently on each site

Everything above has been about Moppy, but the most expensive habit in this hobby is always applying through the same site. The identical card offer pays different amounts on different sites, and the ranking changes constantly. No site is permanently the highest.

For small offers it makes no difference where you apply. But for a card, brokerage or FX offer worth more than ¥10,000, comparing can be worth several thousand yen. That’s where the effort pays best.

To compare across sites, you can use our own pointnavi (point site cashback comparison). It searches the major Japanese point sites at once, so you can confirm whether Moppy really is the highest for a given offer in about a minute. There’s also a full guide to pointnavi if you want the walkthrough.

Moppy vs Hapitas vs Chobirich

Rather than “which is best”, it’s faster to ask what you’re trying to do. In practice most people run several accounts and take whichever pays more per offer.

Where Point Income fits

Point Income is run by Ceres — the same company as Moppy. The catalogues and rates are separate, though, so an offer existing on only one of them is routine. Its strength is a rank set by lifetime points: reach 100,000pt (¥10,000) and the +7% applies from then on, and it never drops. Its guarantees are also three schemes with no rank requirement. Full details in our Point Income referral code guide.

Where Hapitas fits

Hapitas has been running 19 years and has 6.3 million members — smaller than Moppy’s 14 million, but with one thing Moppy does not have: a Purchase Guarantee you can file when cashback fails to track. If failed tracking is what worries you, it is worth running alongside.

Rates win and lose by offer. Searched on the same day with the same terms, the winner flipped three times within SBI Securities alone.

For miles, Moppy is the stronger site. Hapitas converts directly to JAL Mileage Bank but at a fixed 2pt per mile (50%), and ANA Mileage Club is not in its payout list at all. The conditions, payout options and how the guarantee works are covered in the same depth in our Hapitas referral code guide.

Where Powl fits

Powl is run by PTX Inc. (part of the Air Water group) and has over 7 million members. Note that it uses 10 points = ¥1, so its figures look ten times larger than they are. Its strength is not the headline amount but how light the conditions are: for the same SBI Securities offer, Moppy (about ¥24,000) and Hapitas both require a ¥50,000 deposit, while Powl pays about ¥18,500 for opening the account alone. If you are happy to open an account but cannot move ¥50,000, Powl is the one you can actually complete. Full details in our Powl referral code guide.

Where Rakuten Rebates fits

Worth adding if you collect Rakuten points. Rakuten Rebates is run by Rakuten and pays Rakuten points directly, so there is no exchange step. It covers 900+ brand websites not listed on Rakuten Ichiba, including Uniqlo and the Apple Store. But Rakuten Ichiba itself is bonus-exempt, purchases count toward neither SPU nor shop-hopping, and it is weak on high-value card and finance offers. Use it alongside Moppy, not instead of it.

Where Point Town fits

Point Town is the one if you live in the Rakuten ecosystem. It uses 1pt = ¥1 just like Moppy, converts to Rakuten points one-for-one at 500pt → 500 points, and pays out from ¥100 through Rakuten Bank with no fee. Like Moppy, it also converts directly to both ANA and JAL miles. The sign-up bonus is 2,000pt = ¥2,000 with a single condition: ¥5,000 of approved offers. The operator, GMO Media, is listed on the TSE Growth market. Full details in our Point Town referral code guide.

Where Gendama fits

Gendama is the one for earning without spending. Its games, clicks and surveys go clearly deeper than Moppy’s, and the cash-out line is just 3,000pt (¥300), so free activity alone can reach a payout. It is also the only site here that pays 1% annual interest on the points you hold. The catches: no sign-up bonus for the reader could be confirmed, and signing up with a social account makes the referral code unusable. Full details in our Gendama referral code guide.

Where Chobirich fits

Chobirich has been running for 24 years with over 5 million users — smaller than Moppy’s 14 million-plus. What it does have is “Chobirich Monitor”, a mystery-shopper programme that lets you try restaurants and cosmetics at a steep discount or effectively free. Moppy has no equivalent category, so if that appeals, it earns its place.

Practically: keep Moppy as the main account for high-value offers, and compare on the spot when shopping. The broader picture is in Point sites in Japan: a beginner’s guide.

FAQ

Q. Do I get 2,000P just for registering?

No. You must register via a referral code and earn 5,000P or more by the end of the month two months after you joined (the month you register isn’t counted). Your exact deadline appears in your account page. One card application or account opening usually covers it.

Q. Can foreigners living in Japan use Moppy?

Yes. There is no nationality requirement and no residence card is needed. However you do need a Japanese phone number that can receive calls — 050 IP numbers and data-only SIMs are rejected — and the site is Japanese-only. For cash transfers you need a Japanese bank account; without one, Amazon gift cards (from 490P, instant) are the practical exit.

Q. Do I have to register my real name and address?

A nickname is fine. A phone number is needed for SMS verification when you cash out. 050 IP numbers and data-only SIM numbers cannot be used.

Q. Is Moppy safe?

It is operated by Ceres Inc., listed on the TSE Prime Market, with over 20 years of operation, more than 14 million users, and Privacy Mark certification. The realistic problems are offers being rejected when conditions aren’t met, and email volume — both manageable.

Q. Which cash-out option loses the least?

For cash, PayPay Bank or PayPal — both free. Mizuho and shinkin banks charge 154P. For gift cards, Amazon (from 490P, real time) is the safe default. Rakuten Points have carried a 10% fee since 1 April 2026.

Q. Can I convert to ANA miles via Dot Money?

Not at the time this article was checked (early morning, 12 August 2026). Transfers stopped after unauthorised access on Dot Money’s side, and Moppy’s exchange page states a maintenance window of 14:02 on 8 June 2026 to 13:59 on 12 August 2026 — so it is due back on the afternoon of 12 August. Check the exchange page before relying on it.

Q. Do points expire?

Yes. Per Moppy’s help pages, points expire 180 days after you last earned any, or if you don’t log in for 180 days (Terms of Use, Article 16). Logging in alone isn’t enough — you need to earn at least 1P, and pending points don’t count.

Q. My points aren’t showing as pending. Did it fail?

Not necessarily. Some offers skip the pending stage entirely and go straight to approved or rejected at the confirmation date. Check the confirmation timing stated on the offer page first.

Q. What happens to my points if I close my account?

They are forfeited. Cash out first, then close. Closing is free and your registered personal data is deleted.

Q. How do I reach Gold rank?

Within a six-month window, have at least one type (A) and one type (B) rank-up-eligible offer approved, and have 10,000P or more from such offers approved in the same period. Gold lasts six months from the 1st of the following month and gives a 15% bonus on offers labelled “15％増量” (capped at 10,000P/month) plus one free exchange per month.

Q. Can my family use Moppy too?

Yes, but one account per person — Moppy asks family members to each register their own account with their own details. Holding multiple accounts yourself may be treated as improper use. Use separate devices to avoid accidentally using an offer under someone else’s login.

Q. Is Moppy always the highest-paying site?

No. The same offer pays differently across sites and the ranking changes frequently. For offers under a few hundred yen it doesn’t matter, but for card, brokerage and FX offers above ¥10,000 it’s worth comparing right before you apply. pointnavi compares the major sites at once.

Other point-earning routes that pair well with Moppy

There’s no need to do everything through Moppy. Combining things that play different roles changes what you get out of the same amount of effort. Here’s what we cover elsewhere on this site, grouped by role.

1. Make the exit stronger

What you convert your points into decides their final value. There are exits worth more than plain cash.

2. Large one-off offers (also useful for clearing Moppy’s 5,000P)

If the 5,000P condition worries you, running these alongside takes the pressure off. All are register-and-complete types.

3. Lift your everyday spending (payments and banking)

Moppy’s shopping route is about the path; this group is about the payment method. They stack.

4. The overview, and cross-site comparison

Summary

The honest summary: this pays off in proportion to how much you were already about to do. Hunting for offers with nothing planned isn’t really worth the time. But if a card or an account is already on your list, whether or not you click through first can be worth more than ¥10,000.

To compare the card bonuses themselves, see the Amex Gold Preferred referral guide; to check your credit record before applying, see how to request your CIC credit report.

Signing up takes three to five minutes from the button below, with the referral code filled in automatically.

Official pages referenced in this article

・Moppy sign-up page: pc.moppy.jp/entry/invite.php
・Moppy point exchange: pc.moppy.jp/cashback/
・Notice on changed exchange conditions: news_id=3283
・Notice on the Dot Money suspension: news_id=3371
・JAL mileage Dream Campaign: campaign/special/jalmile.php
・Help: points not credited: help/?category_id=19
・Member rank programme: content/user_rank/
・Help: point expiry: help/detail/?id=18
・Help: multiple accounts: help/detail/?id=6
・Help: tracking settings (iPhone): help/detail/?id=27
・Help: clearing browser cookies and cache: help/detail/?id=222
・Chobirich official site (1pt = ¥1, 24 years, 5M+ users): chobirich.com