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TransferWise Referral Terms


This “Agreement” (these referral terms together with the documents referred to in it) sets out the terms which govern our referral program (“Referral Program”).  Please read this Agreement carefully before you use our Referral Program.  By using our Referral Program, you confirm that you accept this Agreement and that you agree to comply with it. If you do not agree to the terms of this Agreement, you must not use our Referral Program.


1.1.    Subject to your compliance with the terms of this Agreement, TransferWise shall pay you a referral fee to your personal bank account (“Referral Fee”) if you meet the Referral Program requirements (as in force at that time) for your country.  You can find out (amongst other things) how many friends you need to invite, the amount of the Referral Fee you will be entitled to and the conditions attached to the Referral Program here:

1.2.  We can change the Referral Fee at any time. The amount of the Referral Fee you will be entitled to, will be the amount that applies at the time you meet all requirements of the Referral Program. If you do not claim the Referral Fee within twelve (12) months of becoming entitled to it, the Referral Fee will expire and you will lose all rights to it. 

1.3.    You may use the Referral Program by sharing a unique link or by providing email addresses to TransferWise.  

1.4.    Provided you meet the requirements (as in force at that time) more than once, you are entitled to a Referral Fee each time you meet such requirements. 

1.5.    You must be a registered user of TransferWise to use the Referral Program. 

1.6.    Each qualified person you invite shall only make transfers from a credit card, debit card or bank account which is in their name.

1.7. If you share your referral link on your website(s) or other social media where you do not know the recipient(s), please sign up for our affiliate program here. Such referrals would not be governed under the Referral Program.


Each friend that you refer to TransferWise through the Referral Program will be entitled to one payment discount.  For further information, please visit your referral page here and click 'Find out how'.


3.1.    You may only use our Referral Program in good faith for lawful purposes.  You may not:

(a)    create more than one account in order to invite yourself;

(b)    invite others that have created duplicate accounts; 

(c)    use alternative contact information to refer yourself or others that have created duplicate accounts; 

(d)    invite members that you do not know personally, if you do so in a way that (in TransferWise’s sole and absolute opinion) constitutes spam or other undesirable or unsolicited communications;

(e)    invite an existing customer of TransferWise;

(f)    invite fictitious persons;

(g)    do anything that damages TransferWise’s brand, goodwill or reputation;

(h)    make payments to another user that are not genuine payments; 

(i)    use the Referral Program in: (i) any way that breaches any applicable local, national or international law or regulation; or (ii) any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;

(j)    to transmit any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam); or

(k)   use the Referral Program excessively or in any way that we consider to be unreasonable (at TransferWise’s sole and absolute discretion); 

(l)    otherwise attempt to circumvent this Agreement or the Referral Program.

3.2.    Any obligation on you not to do something includes an obligation not to allow that thing to be done.  


4.1.    TransferWise may require identification documents from you prior to paying the Referral Fee.  

4.2.    TransferWise shall not be in breach of this Agreement (nor have any obligation to pay you a Referral Fee) if you do not (in TransferWise’s sole and absolute discretion) provide the identification documents requested by TransferWise. 


You represent and warrant to us that you have obtained the express consent from the individuals whose data you provide us with.


6.1.    TransferWise has the right to refuse to pay you the Referral Fee if (in its sole and absolute discretion) TransferWise suspects that you have not used the Referral Program in good faith or have breached this Agreement. 

6.2.    We will determine, in our sole and absolute discretion, whether there has been a breach of this Agreement.  When a breach of this Agreement has occurred, TransferWise may take such action as we deem appropriate, including (but not limited to) termination of this Agreement, closing your account(s), closing third party account(s) and suspending the Referral Program.  


TransferWise accepts no liability for any use of the Referral Program which does not comply with this Agreement.


8.1 . We may revise this Agreement at any time by amending this page.

8.2 .  TransferWise reserves the right to:

(a)    amend, alter or change the Referral Program (including the amount of the Referral Fee) at any time, without notice; and 

(b)    terminate the Referral Program at any time, without notice. In the event the Referral Program is terminated, TransferWise will not be obliged to credit any accounts that would have otherwise qualified for Referral Fee.

8.3    Continued use of the Referral Program shall amount to acceptance of the Agreement and the Referral Program in force at that time.


9.1.    This Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.  

9.2.    Each party irrevocably agrees that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this agreement or its subject matter or formation (including non-contractual disputes or claims).    


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