How does Wise referral work?
Last updated: February 16, 2026
Wise (formerly TransferWise) runs a referral program where existing users can invite new users through a personal link.
Use my Wise referral link to check whether a first-transfer offer is currently available for your country.
Disclosure: This post includes my Wise referral link. If you use it, I may receive a referral reward at no extra cost to you.
How the referral flow works
- You open Wise through a referral link.
- You create a new account (if eligible).
- You complete a qualifying transfer based on current Wise referral terms.
- Wise tracks the referral and applies the offer/reward if requirements are met.
What usually counts as a qualifying referral
Requirements can vary by region and campaign, but common conditions include:
- New user account only
- Transfer above a minimum amount
- Completed payment (not canceled)
- Correct tracking from referral click to account setup
Always check the in-app referral terms before sending money.
Why referrals sometimes do not track
Typical reasons:
- Account already existed
- Transfer amount below minimum requirement
- Transfer was canceled or refunded
- Browser tracking/cookie interruption
- Referral terms changed after click
How to avoid missing a referral offer
- Open the link and complete signup in the same browser/session
- Confirm offer visibility before paying
- Keep screenshots of terms shown at signup
- Complete the first qualifying transfer promptly
Is using a referral link safe?
Using a referral link itself is normal. Safety depends on whether the link points to the official Wise domain.
Before signing up, verify the URL starts with https://wise.com/.
Related guides
Final takeaway
Referral offers can reduce first-transfer cost, but exact terms depend on your country and current campaign.
You can check your current eligibility here.