Refer a Friend Terms and Conditions

Region: USA

Upd: Feb 15, 2022

1. Welcome

1.1 This page sets out the terms and conditions that apply to the Wirex Refer a Friend Programme (the "RAF Programme"). 

1.2 Under this programme, the referrer (“You”) and the referee (the “Referred User”) are both eligible to receive a reward paid in X-points for using the Wirex Service.  

1.3 By creating an account with Wirex you accept these terms, along with our General Terms and all other relevant terms and conditions. Do not participate in this programme if you do not wish to be bound by these terms. 

1.4 Please read these Programme Terms carefully and ensure you understand them before you refer a friend to us. You and the Referred User must accept these before you sign up to the Wirex Service. 

1.5 The RAF Programme is void where prohibited by law. 

2. Who we are 

2.1 The RAF Programme is sponsored, promoted and administered by Wirex as defined in paragraph 3 of the General Terms ("Wirex", "we", "our", or "us").

2.2 Wirex operates a platform that allows users to buy, sell and manage various supported currencies and cryptoassets, as well as to apply for, manage and load money onto a Wirex payment card (collectively, the "Wirex Service"). 

3. Eligibility 

3.1 The RAF Programme is open to anyone who has registered with us and set up a profile on the Wirex Service (a "Wirex Profile"). Eligibility for a Wirex profile can be found in  the General Terms  

3.2 The Referred User must not already have a Wirex Profile. 

4. How to participate in the RAF Programme

4.1 You can share your unique referral code from within the ‘Rewards’ section of the Wirex Dashboard, through a range of compatible electronic communication channels.

4.2 The Referred User must follow the invite link, register and set up an account with Wirex. If the Referred User does not follow the link, neither you nor the Referred User will be eligible to receive a reward.

4.3 The Referred User must purchase cryptocurrency for you both to be eligible for the $5 USD reward (the “Crypto Buy Reward”). 
(a)   The Referred User must purchase a total of $100 USD worth of cryptocurrency on the Wirex platform (in one transaction or in aggregate). The final purchase that takes the total value to or over $100 USD shall be the “Qualifying Transaction”.
(b)   The Referred User must use a credit or debit card to buy Cryptoassets on the Wirex Service.
(c)   The Qualifying Transaction must take place within 60 days of the Referred User’s registration.
(d)   The Crypto Buy Reward will be paid to both You and the Referred User in X-points at the prevailing exchange rate when the Qualifying Transaction is made. 
(e)   $100 USD will be determined by cost at transaction, as opposed to value of Cryptoassets in the Referred User’s account.

4.4 After becoming receiving the Crypto Buy Reward, the Referred User may choose to use the Wirex Card instore, making you both eligible for a further $5 USD reward (the “Purchase Reward”).
(a)   The Referred User must order a payment card through the ‘order card’ section of the Wirex dashboard. This section of the programme is only available in jurisdictions where a Wirex Card is available.
(b)   The Referred User must use this card to make an instore purchase within 60 days of the Referred User’s account registration (the “Qualifying Purchase”).
(c)   Once the Qualifying Purchase has been made the Purchase Reward will be credited to Your and the Referred User’s account.
(d)   The Purchase Reward will be paid to both, You and the Referred User, in X-points  at the prevailing exchange rate when the Qualifying Purchase is made.

4.5 The Crypto buy Reward and Purchase Reward (collectively, the "RAF Programme Rewards") are subject to the limitations in paragraph 6 below.

5. How will the RAF Programme Rewards be paid?

5.1 We will hold the RAF Programme Rewards on your behalf until you choose to redeem them. This can be done on the rewards section of the Wirex Dashboard. You may exchange, hold or withdraw your RAF Programme Rewards in accordance with our Cryptoasset Terms.

5.2 The RAF Programme Rewards may be subject to tax in your jurisdiction. You are responsible for paying any tax due on any RAF Programme Rewards that you receive. You should seek professional advice if you are unsure about whether you need to pay any tax and/ or how much tax you need to pay. 

6. Important limitations on your, and the Referred User's, ability to obtain rewards

6.1 You will not be eligible for Purchase Rewards in respect of any purchases that are not Qualifying Purchases, including the following: 
(a)   Any purchases that you make with your Wirex Card online;
(b)   Any cash withdrawals (including ATM transactions and cashback); or   
(c)   Any money transfers.

6.2 We reserve the right not to pay out any RAF Programme Rewards in the following cases:
(a)   We are unable to verify your, or the Referred User's, identity in accordance with our General Terms. 
(b)   We have discontinued the RAF Programme and the Referred User has created a Wirex Profile, purchased cryptoassets in accordance with paragraph 4.3 or used their Wirex Card in accordance with paragraph 4.4 after the date on which the RAF Programme was discontinued;
(c)   The Referred User has initiated a chargeback in respect of, or otherwise reversed the transactions referred to in paragraph 4.3 and paragraph 4.4;
(d)   We are prohibited from paying you any RAF Programme Rewards by applicable law.

6.3 We may also refuse to pay out any RAF Programme Rewards if:
(a)   We reasonably suspect that the Wirex Profile has been created by the Referred User fraudulently or the Referred User's Wirex Profile is otherwise in breach of our General Terms of Service; 
(b)   You have breached any provision in these Programme Terms or our General Terms of Service;
(c)   You, or the Referred User, have multiple Wirex Profiles;
(d)   We reasonably suspect that you have used any pay-per-click or other paid or automated lead generation services to participate in the RAF Programme; or
(e)   We reasonably suspect that you have sent any unwanted or unauthorised advertising or promotional material or any other form of similar solicitation (spam) in relation to our RAF Programme. 

6.4 The decision of Wirex in all matters relating to the RAF Programme, the RAF Programme Rewards and these Programme Terms is final and binding, and no correspondence or discussion will be entered into.

6.5 If a You, or the Referred User, initiates a chargeback, all commission payments outstanding will be void in respect of both You and the Referred User.

6.6 Wirex reserves the right to recover any payments made to You and / or the Referred User. 

7. Limitation of Liability

7.1 Wirex reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the RAF Programme with or without prior notice due to reasons outside its control (including, without limitation, in the case of anticipated, suspected or actual fraud).

7.2 We may also modify or discontinue the RAF Programme on reasonable notice to you. If we discontinue the RAF Programme, we will subject to paragraph 6, honour any RAF Programme Rewards for which you became eligible prior to 11:59 pm UK time on the last date of the RAF Programme. 

7.3 Wirex accepts no responsibility for any loss or damage incurred or suffered by You, or the Referred User, as a result of participating in the RAF Programme or accepting or using any RAF Programme Reward, including (but not limited to) any loss resulting from the following:  
(a)   Any postponement or cancellation of the RAF Programme, or any delay in crediting any RAF Programme Rewards to your, or the Referred User's, Wirex Profile;
(b)   Any alteration, unauthorised access, damage, late delivery or non-delivery of any notices, acceptances, requests or other documents related to the RAF Programme;
(c)   Any damage to your or any other person's computer relating to or resulting from participation in the RAF Programme;
(d)   Any act or default of any third-party supplier.   

7.4 Nothing in these Programme Terms shall exclude the liability of Wirex for death, personal injury, fraud or fraudulent misrepresentation as a result of its negligence, or any other matter for which the law does not allow us to exclude or limit our liability.

8. Your personal details

8.1 Please see our Privacy Policy for more information about how we handle your information. 

9. General

9.1 We intend to rely on these Programme Terms as setting out the written terms of our agreement with you and the Referred User, for your respective participation in the RAF Programme. If part of these Programme Terms cannot be enforced, then the remainder of the Programme Terms will still apply to our relationship. 

9.2 If you have any questions about the RAF Programme, please email us at with "Refer a Friend Programme" in the subject line. 

9.3 The Referral Programme will be governed by English law. The English courts will have exclusive jurisdiction over any dispute arising from or related to your use of the Wirex Service. You agree to raise a complaint with us and follow the steps outlined in Section 21 of the General Terms before any dispute may be raised in a court of law.