Af-atm is an online earning website that allows users earn money using their WhatsApp accounts. In recent times, we’ve witnessed the launch of websites that claim to pay users money by connecting their WhatsApp to their website and this happens to be the newest addition to the list. In my opinion, it’s an earning platform that is well suited for people who have a lot of referrals.
In this article, we will be reviewing af-atm, a platform that claims to be paying users money for free as long as they are willing to lease their WhatsApp accounts. This article is going to be focused on certain aspects such as how Af-atm works, the earning models or structure and finally, the few upsides and downsides associated with participation. So without wasting more time, let’s get started.
What is Af-atm, and What Does It Offer?
Af-atm is a money making websites created recently that allows users earn money by completing certain tasks such as linking their WhatsApp accounts to the platform and also for referring new active users to the site using their referral links.
It’s not the first of a kind, as we’ve seen numerous websites get created for the same purpose and based on my analysis, there’s not much difference between the previous ones and the one being reviewed. Be that as it may tho, below are the few ways of earning on the platform in details;
Option 1 – WhatsApp Message Task
This is the main purpose for which, Af-atm was launched. Users get to earn money by connecting or linking their WhatsApp accounts to the site. What happens after linking the account is, the administrators use the account to message random white people in the bid to scam. So any account you’re connecting to the platform, you better be prepared for risk of account being banned.
As they use the WhatsApp to message a lot of random white people and that is in direct violation of WhatsApp terms of service. There’s need therefore, to link only accounts you can afford to lose.
Option 2 – Referrals
Referring others to Af-atm also unlocks new ways of earning money. This is due to the referral incentive in place. As long as your referrals are active, you’ll earn alot of money via their activity. Reason is, you get 20% of whatever amount your direct referrals earn and 10% from the second level referrals.
Additionally, there is an Activity option on the dashboard that is also aimed at rewarding top referrers. If you meet a certain number of referrals, you will be credited with a fixed amount of points just for doing so.
If you are someone with a large following, once you hit up to 100 referrals, you can claim 30,000 points for free and also 20% of whatever amount of points earned by your down lines.
Option 3 – Daily Check-in
The daily check-in is another way to earn extra money on Af-atm only if you have connected your WhatsApp account already and earned your first set of rewards for doing so. It’s not out of place to not regard the daily check-in as an earning method but you get to earn additional income as an active user by checking in daily.
How to Get Started
If you want to sign up, simply hop into Af-atm.com and then proceed to create an account using this referral code – TWpRek56Y3k=
After creating the account, you will be logged into the main dashboard and given 500 points equivalent to 50 naira with the referral and WhatsApp message task boldly displayed on the screen.
Incase you have WhatsApp to link, simply tap on the WhatsApp message task, enter your phone number and proceed to complete authentication.
The longer you leave the accounts connected, the more points you earn and the closer you get to the minimum threshold.
Withdrawal Steps
The minimum withdrawal is 5,000 points which is at the time of writing this article, equivalent to 500 Naira.
Once you earn up to this amount of points, click on profile then on Account Withdrawal, enter the amount of points to withdraw, bind your bank account details and submit.
The payment will be instantly credited to your bank account if you bound either Opay or Palmpay.
Final Verdict
Af-atm is an earning website that is currently paying at the moment but it’s not without red flags. Personally, I would say it’s not legit giving that, it involves connecting one’s WhatsApp account and giving scammers access to use your account to perpetrate scam.
Af-atm can be regarded as a scam even though it’s paying at the time of writing the article. Below are some of the reasons to regard it as an illegitimate way of earning money;
1. Risk of WhatsApp Ban – connecting your WhatsApp to the platform puts you at risk of losing the account. Reason is, they engage in activities that breach Meta’s terms of service. At the end of the day, you may find the account banned by WhatsApp permanently and that is never a good news for anyone.
Most people sharing articles and advertorials about af-atm won’t tell you the risks associated with linking the WhatsApp. The only thing they are after is the referral bonus, so endeavour to operate with only alternative WhatsApp accounts to avoid losing access to your account in the long run. Worst part is, some get banned even before they are able to earn up to the minimum withdrawal.
2. Potential Scam – Af-atm uses the WhatsApp linked to their site to scam white people. In sane climes, if they are caught, you could be tagged an accessory to a crime. So for your own good, steer clear of the platform unless you have a lot of phone numbers that are not even important to you in any way, then you can use them to create an account and link to the site.
Also Read: W8job.com Review: Legit or Scam? (Pros & Cons)
If all you have is your main WhatsApp that you use in chatting family and friends, then Af-atm is not for you except you can refer others who would be willing to participate.
3. Unfair Point Conversion Rate – the conversion rate from point to naira is very poor. The minimum threshold is 5,000 points and that is just 500 naira. If you just connect one WhatsApp, without referring anyone, it would take a very long while before you are able to hit the minimum threshold and also, when you do, the earnings won’t be worth the effort and risk.
Pros 
Are there positive aspects or things about af-atm that is good? Here is a summary of the few pros according to my analysis;
- Highly rewarding referral program
- Fast loading website with smooth navigation
- Active customer support system
- Instant payment processing
Cons
- Poor point conversion rate
- Risk of WhatsApp account ban
- High minimum withdrawal threshold
- Designed mainly for people with either many WhatsApp accounts or alot of referrals.
Conclusion
Af-atm is one of those earning platforms that can’t be outrightly condemned nor endorsed. It can’t be tagged scam because it does pay users who are able to reach the threshold but the nature of the tasks are nothing to write home about. Therefore, I’d say the ball is in your court, you are to make the decision to either participate or quit.
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