Wise referral
You get: A fee-free or discounted first transfer, depending on the market · Referrer gets: Tied to the referee's transfer activity, not to sign-up
Wise structures its referral programme differently from most fintech apps, and the difference matters. Rather than paying a flat bonus when an account opens, Wise ties the reward to actual transfer activity: the new customer must send money — usually above a minimum amount and within a set period — before either side is credited. Historically the referrer's reward has also been linked to fee revenue generated by the people they invite, which is why Wise referrals suit anyone whose contacts genuinely send money abroad, and why they produce almost nothing among people who sign up and never transfer. Terms differ between the personal and business products, and between the regions Wise operates in, so amounts published on third-party sites are frequently stale or drawn from another market. Check the Invite friends section of your Wise account for the current terms. On RefDuo, matching with a referrer is free — the reward comes from Wise.
Frequently asked questions
How does the Wise referral programme work?
You open an account through a referral link and send a qualifying transfer — normally above a minimum amount and within a set window. The reward is released to both sides only once that transfer completes.
Why did I not receive my Wise referral reward?
Almost always because no qualifying transfer was made, or it fell below the minimum, or it happened after the deadline. Opening the account alone never triggers a Wise reward.
Is the Wise reward paid in cash?
For the referee it usually takes the form of a fee-free or discounted first transfer rather than a cash payment. The referrer's side has historically been cash, linked to the fees their referees generate.
Does Wise referral work for business accounts?
Wise runs distinct terms for personal and business products. Check within your own account — the conditions are not interchangeable.