📌 What Is the Wise Referral Program?

Wise (formerly TransferWise) is a global fintech platform for low-fee international money transfers, multi-currency accounts, and currency conversion. Wise runs an invite / referral program that rewards existing customers when they refer new users. 

Unlike classic affiliate programs, Wise’s referral rewards are tied to user activity (often international transfers or card usage) rather than one-off cash-outs per sign-up. 

💰 How the Referral Program Works in 2026

1. Generate Your Unique Referral Link

Once you have a Wise account, you can find your referral (invite) link in the Wise app or at Your Invite page. 

2. Share With Friends & Family

You can share this link via:

• Messaging apps

• Email

• Social media

• Blogs / communities

Invitees must use your link to count as a referral. 

3. New Users Get a Sign-Up Gift

People you refer usually receive:

• A free or discounted first transfer, or

• A free Wise debit card (depending on region)
  This is Wise’s way of making the offer appealing. 

4. You Earn Once They Qualify

To earn your reward, the referred users must complete qualifying actions — typically:

• An international or cross-currency transfer over a threshold (e.g., £200 / equivalent)
  or

• Spend via a Wise card for some programs

• The friends will still get their sign-up benefit even if they don’t qualify you instantly. 

5. Tiered & Region-Based Rewards

Wise has multiple invite program variants, and the exact reward (amount & action) depends on your region and the specific Wise invite program you’re enrolled in. 

💸 Typical Referral Rewards in 2026

Because Wise runs region-based incentive programs, the exact reward values vary by location and time. But here are the common structures seen across markets:

🇬🇧 United Kingdom & Europe

💷 Standard Global Referral (Personal Accounts)

• Reward for Referrer: ~£75 when 3 invited users complete qualifying transfers (usually ≥£200 each) 

• Reward for Referred Friend: A fee-free first international transfer up to a set maximum (e.g., ~£500) 

👉 This means you earn approximately £75 per 3 qualified referrals — equivalent to about £25 per person on average if conditions are met. 

🌍 Other Regions

Wise may put users on different invite programs that pay:

• Reward per referral directly (e.g., £20 per referral)

• Fee credit for future transfers instead of cash

• Non-cash incentives like free cards or additional transfer credits
  These depend on the country and promotional period. 

Always check your Wise invite dashboard — it will show your current program and exact qualifying conditions. 

🧠 How You Actually Earn and Get Paid

✔ Qualifying Conditions

The referred user must:

• Sign up through your referral link

• Complete identity verification

• Complete required actions (e.g., transfer or spend)
  These vary by invite program. 

✔ Reward Delivery

Once qualifying criteria are met:

• Wise sends an email notification

• You can claim the reward through your Wise account

• The bonus is added to your Wise balance or sent to your bank account depending on currency availability. 

✔ Expiry

Referral rewards generally must be claimed within a year after qualification or they’ll expire. 

📈 Strategies to Maximize Referral Earnings

Here are practical ways people boost earnings from Wise referrals:

🧑‍🤝‍🧑 Target Relevant Audiences

Best candidates are:

• People who send money abroad (families, expats)

• Freelancers paid in foreign currencies

• Travelers & students abroad

📣 Use Social Channels

Posting your referral link with a helpful explanation can attract more sign-ups — but be transparent and follow platform rules.

📊 Teach People to Qualify

To earn your bonus faster, explain how their first transfer must meet the minimum threshold (e.g., ~£200). 

🔁 Scale by Volume

There’s no official global limit to the number of referrals you can make — so with effort you can repeat this process indefinitely. 

⚠️ Things to Watch Out For

🔹 Reward amounts change — Wise may adjust the program over time or by region. Always check the invite page. 

🔹 Not all actions count — Same-currency transfers or currency conversions usually don’t count toward qualifying.

🔹 Fraud / misuse rules — Wise can withhold rewards if they determine misuse or abnormal patterns (like self-referrals). 

🧾 Summary — Can You Really Earn Money from Wise in 2026?

✅ Yes — the Wise referral program lets existing users earn monetary rewards when people they invite use Wise for qualifying transfers or card spending. 
✅ Typical rewards for most personal users (especially in UK/Europe) are around £75 for every 3 qualified friends, along with a fee-free first transfer incentive. 
✅ Earnings can scale with volume, especially if you target people likely to transfer money internationally. 

If you want, I can also provide country-specific examples (e.g., US, EU, Canada) of how Wise referral earnings differ by region — just let me know!