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Wise Referral Program Supplement to the Customer Agreement

Last updated and effective: 19 May 2023


This Wise Referral Program Supplement to the Customer Agreement is a supplement to, and must be read together with your Customer Agreement. These documents together, referred to here as “Agreement”, govern our referral program (“Referral Program”). The definitions of capitalized terms are defined in parenthesis within this Agreement or are defined in your Customer Agreement. Underlined words in this supplement contain hyperlinks to further information.

By using, participating in, or receiving the benefit of any portion of our Referral Programs, you agree to be bound by this Agreement and to comply with it. If you do not agree to the terms of this Agreement, you must not use our Referral Program.


1.1. The Referral Program allows you to benefit, for a specified period of time, by our free choice and discretion, of a non-monetary or monetary reward (hereinafter “Referral Fee”), if you meet the requirements of any of the Referral Programs in force at the time applicable to you. You can see the requirements for your current Referral Program on the invite page (“Program Requirements”), including whether you are eligible for said program, how many friends you need to invite, the Referral Fee that you may receive and the conditions attached to the Referral Program.

1.2. To participate in the Referral Program, among other requirements, you must invite another person that is not Wise’s customer to sign up to Wise by sharing a unique link provided to you on Wise account that your invitee can then add on Wise’s referral page, or by having a person who has recently joined Wise add your unique link within 30 days of signing up (“Invitees”).

1.2.1 For the avoidance of doubt, it shall not be possible to add the invitation after 30 days from signing up with Wise.

1.3. You may receive a Referral Fee each time you meet, at our discretion, the requirements of the Referral Program applicable to you in force at the time.


2.1. You must be a registered user of Wise in good standing to benefit from the Referral Program.

2.2. Referral Programs are not available in all countries or locations. Participation in any Referral Program is unauthorized in any jurisdiction where all or any portion of this program may violate (or may cause Wise to violate) any legal requirements, and you agree not to participate if you are a resident of any such jurisdiction. Referral Programs are for personal, non-commercial use.


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 someone who has been a customer of Wise for more than 30 days, in accordance with item 1.2 bellow;

(e) invite fictitious persons;

(f) do anything that damages Wise’s brand, goodwill or reputation;

(g) use our Services in a deceiving or deceptive manner to benefit from a Referral Program;

(h) 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; (iii) in any way that contravenes any other agreements we have with you, including our Customer Agreement and Acceptable Use Policy; or (iv) in a manner harmful to our interests;

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

(j) to transmit any unsolicited or unauthorized advertising either via paid search or any other similar activity, including channels that can damage the Wise brand, goodwill or reputation;

(k) share the invitation link to another person (Wise’s non customer) that has not told you they want to receive information about Wise;

(l) each qualified person you invite shall only make transfers from a credit card, debit card or bank account which is in their name.

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


4.1. Wise may require additional documents, including identification information, from you prior to giving any Referral Fee.

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


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


6.1. If we suspect (in our sole and absolute discretion) that you have not used the Referral Program in good faith or have breached or acted inconsistently with the Agreement, we have the right to:

a) refuse to pay you the Referral Fee

b) suspend or terminate this Agreement, your participation in any Referral Program or your access to our Services under the Customer Agreement applicable and accepted by you.

6.1.1 You understand and agree that termination of your participation in the Referral Program (or your access to Wise’s Service) will result in the immediate forfeiture of all Referral Fees associated with you.

6.2. Wise will be the sole arbiter in cases of suspected abuse, fraud, or violation of its rules and any decision it makes relating to termination, suspension, or disabling of your participation in Referral Program terms and/or your forfeiture of any Referral Fee.


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

7.2. You are liable if you breach this Agreement or applicable laws. In the event of loss, claims, costs or expenses (including reasonable legal fees) arising out of your breach of this Agreement, any applicable law or regulation and/or your use of our Services, you agree to defend, compensate us and our affiliates and hold us harmless. This provision will continue after our relationship ends.

7.3. You acknowledge that we may use the Referral Fee to offset any amounts you owe us.


We may amend this Agreement, any Program Requirements or other terms or policies that govern your participation in the Referral Program from time to time. The revised Agreement or Program Requirement will take effect when posted or as otherwise expressly indicated. By continuing to use the Referral Program after any changes to this Agreement or Program Requirements take effect or taking such other action as specified by Wise, you agree to be bound by those changes.


9.1. Wise reserves the right to, in our sole and absolute discretion:

(a) amend, change, cancel or restrict the Referral Program at any time (for some or all users), or any Referral Fee at any time and for any reason without notice; and

(b) terminate the Referral Program at any time, without notice.

9.2. In the event the Referral Program is terminated or if your access to our Services is terminated for any reason, Wise will not be obliged to credit any accounts that would have otherwise qualified for a Referral Fee.


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