Wise Referral Program
Last updated and effective: 27th March 2025
PLEASE READ THESE REFERRAL TERMS CAREFULLY
This Wise Referral Program is a supplement to, and incorporates, the Customer Agreement, and must be read together with your Customer Agreement. If there is any conflict between the Wise Referral Program and the Customer Agreement, the Wise Referral Program terms will take precedence, unless expressly stated otherwise. 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 Program, you agree to be bound by this Agreement and to comply with it in its entirety. If you do not agree to the terms of this Agreement, you must not use our Referral Program, and you will not be entitled to receive any of the associated benefits (as outlined below).
1. DESCRIPTION OF THE REFERRAL PROGRAM
1.1. The Referral Program allows you to benefit, for a specified period of time, at Wise’s sole discretion, from either a non-monetary or monetary reward (“Referral Fee”), if you meet all of the requirements of the relevant referral program (in force at the time) applicable to you.
1.2. You can see the requirements for your current Referral Program on the invite page (as updated from time to time) (“Program Requirements”), including whether you are eligible for the relevant program, how many friends you need to invite, the Referral Fee that you may receive and the conditions attached to the Referral Program.
1.3. To participate in the Referral Program, among other requirements, you must invite another person (the “Invitee”), that is not already a customer of Wise, to sign up to Wise by clicking a unique trackable link shared with them by you. A unique trackable link is provided to you on your Wise account. An existing Wise customer can also become your Invitee, as long as they’ve signed up recently, and added your unique trackable link on the Wise referral page within thirty (30) days of signing up.
1.3.1 For the avoidance of doubt, it shall not be possible for the Invitee to add the unique trackable link after thirty (30) days from signing up with Wise.
1.4. You may receive a Referral Fee each time you meet, at our sole discretion, the Program Requirements (of the relevant referral program applicable to you in force at the time).
2. ELIGIBILITY AND AVAILABILITY
2.1. You must be a customer of Wise in good standing to be able to benefit from any of the Referral Programs.
2.2. The applicable referral program may not be available in all countries or jurisdictions. If the relevant referral program is prohibited in any particular jurisdiction (for any reason), your participation in any such referral program is unauthorized and will be considered a breach of this Agreement. You agree not to participate in the Referral Program if you are a resident, or (temporarily) located in, of any such prohibited jurisdiction.
2.3. The referral program is solely for individual personal usage and not for any commercial usage.
2.4. If you wish to, or already use the Referral Program to, refer people as part of your business for commercial purposes, including referrals via a website or social media, or any kinds of advertising and marketing activities (or for other purposes outside the scope of this Agreement), at our sole and absolute discretion, we reserve the right to move you on to our marketing program (the “Partner Program”), subject to the terms of this Agreement, within the Wise app, or exercise our rights under clause 6. If you are moved to the Partner Program, you will be notified in writing.
2.5. If Wise elects to move you to our Partner Program, you will be subject to a different set of terms and conditions. If you do not want to join the Partner Program, but continue to refer people for commercial purposes, then Wise can exercise its rights under clause 6 of this Agreement.
3. PROHIBITED USES
3.1. You may only use Wise’s Referral Program in good faith and for lawful, moral and ethical purposes. You may not:
(a) create more than one account, for example, in order to invite yourself;
(b) invite those who are already customers of Wise, and it has been over 30 days since their sign-up;
(c) use alternative contact information to refer yourself or others that have created duplicate accounts;
(d) invite fictitious or non-natural persons;
(e) do anything that damages Wise’s brand, goodwill or reputation;
(f) use our Referral Program in a deceiving or deceptive manner to solely benefit from, or exploit, the Referral Program for any unintended or non-genuine purpose, for example transfers or conversions that are not genuine or which are reversed, in an attempt to falsely satisfy the Program Requirements;
(g) 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;
(h) to transmit any unsolicited or unauthorized advertising or promotional material or any other forms of similar solicitation (or spam), including but not limited to paid search activities, or any other similar activities and channels that could damage the Wise brand, goodwill or reputation;
(i) share the unique trackable invitation link with another person (Wise’s non customer), unless they have expressly told you (whether in writing or verbally) that they want to receive information about Wise;
(j) use your unique trackable invite link for any commercial or business purposes, or share it on online forums or social media channels that go beyond the reach of your family and friends, for example in social media or other types of advertising. If you do so, Wise may, at its sole and absolute discretion, elect to move you on to the Partner Program within the Wise app according to the clause 2.4 above or exercise its rights under clause 6 of these terms.
(k) include, post or in any other way use your unique trackable invite link on any platforms that provide voucher codes and/or coupons (such as free transfer coupons). The use of such platforms is prohibited by the terms of this Agreement.
3.2. You must ensure that the Invitee only makes transfers from a credit card, debit card or bank account which is in their name, and not anyone else's name.
3.3. Any obligation on you not to do something includes an obligation not to allow that thing to be done. Any breach of clauses 3.1 or 3.2 shall entitle Wise to suspend or terminate this Agreement, as provided for at clause 6 below.
4. ADDITIONAL DOCUMENTS
4.1. Wise may require additional documents from you, including identification information, within fourteen (14) calendar days, prior to Wise awarding you with any applicable 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, within the time frame provided in clause 4.1 above.
5. DATA PROTECTION
5.1. This Agreement incorporates our Privacy Policy, which sets out the terms upon which we process any personal data we collect about our customers. By agreeing to the terms of this Agreement, and being part of the Wise Referral Program, you agree that any data you collect for any Invitees complies with the spirit of our Privacy Policy, and that you will comply with your obligations under any applicable laws or regulations, including any applicable privacy laws, and any applicable industry codes relating to the protection of personal data (as defined within the Data Protection Act 2018 and the General Data Protection Regulation ((EU) 2016/679)).
5.2. You represent and warrant to us that you have obtained the express consent from any individual whose data you provide us with.
6. WHAT WE CAN DO IF YOU ABUSE THE REFERRAL PROGRAM OR BREACH THIS AGREEMENT
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 this Agreement, we have the right to:
a) not pay you any applicable Referral Fee; or
b) suspend this Agreement, pending our own internal investigation, or
c) terminate this Agreement and your participation in any Referral Program, or your access to our services under the Customer Agreement applicable to you.
6.2. 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 any and all applicable Referral Fees associated with you.
6.3. 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. LIMITATION OF LIABILITY AND INDEMNITY
7.1. Wise accepts no liability for any use of the Referral Program which does not comply with this Agreement.
7.2. To the maximum extent permitted by law, and notwithstanding any other provision in this Agreement, Wise shall not be liable to you whether in contract, tort (including negligence), breach of statutory duty, equity, misrepresentation (whether innocent or negligent), restitution or otherwise for any loss of business, all loss of profit, loss of use of money, loss of revenue, loss of contracts, any increase in costs and expenses, wasted expenditure, dilution of goodwill, loss or corruption of data and all indirect, incidental, consequential, special, punitive or exemplary damages, however arising under this Agreement, even if both you and Wise have knowledge of the possibility of such damages arising from or related to this Agreement.
7.3. You will indemnify and hold the Wise, and each of its officers, agents, partners and employees ("Wise Indemnitees") harmless from any claims or demands, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees), whether direct or indirect, including any interest, fines, legal and other professional fees and expenses awarded against or incurred or paid by Wise Indemnitees, arising out of, or in connection with:
(a) your breach of this Agreement, including any warranties, representatives and undertakings;
(b) any fraud or wilful misconduct committed by you;
(c) your actions that damage the reputation of any of the Wise group of companies, including each of its officers, agents, partners and employees;
(d) your failure to comply with any of the applicable laws or regulations;
(e) any of your acts or omissions, including any negligence which causes or contributes to any loss or damage to a person (or legal entity) or (their) property;
(f) your infringement or alleged infringement of a third party's rights (including any intellectual property rights); and
(g) any claim, demand, fine, penalty, action, investigation or proceeding by any third party (including any subcontractor, regulator or client/customer of Wise) against Wise caused by your actions (whether directly or indirectly) or omissions.
This provision will continue after our relationship ends and survive any termination under clause 6 above.
7.4. You acknowledge that we may use the Referral Fee to set-off any amounts you owe us, for any reason whatsoever (subject to applicable law).
7.5 The Wise's total aggregate liability, whether in contract, tort (including negligence or breach of statutory duty), misrepresentation (whether innocent or negligent), restitution or otherwise, arising in connection with the performance or contemplated performance of this Agreement, shall be limited to the amount paid by Wise to you during the 12 months preceding the date on which the relevant claim arose.
8. CHANGES TO THIS AGREEMENT
8.1. 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). Any revised (or updated) Agreement or Program Requirement will take immediate effect when posted/uploaded to the Wise website or as otherwise expressly indicated.
8.2. 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. Express notification of any revised or updated Agreement or Program Requirement is not required, and the new Agreement and Programme Requirements will automatically take effect.
9. CHANGES AND TERMINATION OF THE REFERRAL PROGRAM
9.1. Wise reserves the right to, in our sole and absolute discretion to:
(a) amend, change, cancel or restrict the Referral Program at any time, or any Referral Fee at any time and for any reason without notice;
(b) transfer you to the Partner Program with or without any notice; and
(c) 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.
10. ASSIGNMENT
10.1. Wise may at any time, without your consent, assign, transfer, mortgage, charge, subcontract, delegate, declare a trust over or deal in any other manner with any or all of its rights and obligations under this Agreement.
10.2. You cannot assign, transfer, mortgage, charge, subcontract, declare a trust over or deal in any other manner with any or all of its rights or obligations under this Agreement.
11. NO AGENCY OR PARTNERSHIP
11.1. Nothing in this Agreement creates, between you and us, a relationship of employer/employee, principal/agent, a joint venture or a partnership, and you shall be solely responsible for your own actions or omissions.
11.2. In performing the services under this Agreement, you are solely responsible for any tax, insurance contributions or any other assessments incurred by you, generally, and in relation to this Agreement.
12. GOVERNING LAW AND DISPUTES UNDER THE AGREEMENT
12.1. Any dispute arising out of or in connection with this Agreement or any aspect of the relationship between you and Wise, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory, shall be referred to and finally resolved by arbitration under the London Court of International Arbitration Rules (the “Rules”). The following Rules are deemed to be incorporated by reference into this clause:
12.1.1. The number of arbitrators shall be one;
12.1.2. The seat, or legal place, of arbitration shall be London, United Kingdom;
12.1.3. The language to be used in the arbitral proceedings shall be English; and
12.1.4. The governing law of the contract shall be the substantive law of England and Wales.
12.2. The arbitrator’s decision will follow the terms of this Agreement and will be final and binding. The arbitrator will have authority to award temporary, interim or permanent injunctive relief or relief providing for specific performance of this Agreement, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator. The award rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction thereof.