Refer a Friend Terms and Conditions

Region: USA

Upd: Oct 30, 2022

1. Welcome 

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

1.2 Under this Promotion, the referrer (“Referring Participant”) and the referee (the “Referred User”, and “you” refers to each customer participating in this RAF Promotion) are both eligible to receive a reward paid in X-Points for USA registered customers 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 Promotion if you do not wish to be bound by these terms. 

1.4 Please read these terms and conditions carefully and ensure you understand them before you refer a friend to us. The Referring Participant and the Referred User must accept these before you sign up to the Wirex Service. 

1.5 The RAF Promotion is void where prohibited by law. The RAF Promotion shall be conducted within the period from 00:00 (UTC) on 19.09.2022 until 23:59 (UTC) on 31.03.2023 (the “Promo Period”).


2. Who we are

2.1 The RAF Promotion 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 Promotion 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 Promotion 

4.1 Referring Participant can share a 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 Referring Participant nor the Referred User will be eligible to receive a reward. 

4.3 The following conditions must be completed for you both to be eligible for the $30 reward payable in X-Points for USA registered customers (the “Crypto Deposit Reward”). 

(a) The Referred User has registered their Wirex Account following a referral link, received from Referring Participant;  

(b) The Referred User has completed their Identity Verification on the Wirex Platform;  

(c) The Referred User deposited Digital Assets of at least $200 into their Wirex Account which is be held for a period of at least 30 (thirty) days as of the deposit date (“the Retention Period”);  

(d) The Referred User made their initial deposit of $200 in Digital Assets within 20 (twenty) days following the successful completion of their Identity Verification on the Wirex Platform;  

(e) The Referred User have in their Wirex Account digital assets of at least $200 on the 30th day following the deposit time;  

(f) The Referred User has completed at least 1 (one) eligible card transaction using their Wirex card or opened at least 1 (one) Wirex credit line (where available);  

(g) Referred Users and Referring Participants must comply with the present Rules, and the terms and conditions of the Wirex General Terms of Services (together referred as to “General Terms”);  

(h) The Referral Bonus shall be paid by Wirex to the eligible Wirex Accounts at the end of the month in which the Retention Period ends;  

(i) $200 USD will be determined by cost at time of the transaction, as opposed to value of Cryptoassets in the Referred User’s account; and   

(j) The balance of $200 referred to in 4.3(c) above should be sent into the Referred User’s Wirex Account only from an external wallet, and Referred User who received internal transfers from other Wirex wallets will not satisfy these terms and condition requirements for participation in the RAF Promotion. In the event multiple Referring Users have been funded by a single digital address, both Referring Participants and Referred Users may be disqualified from participation in the RAF Promotion at the sole discretion of Wirex. 

4.4 The Referring Participants shall receive an extra referral bonus of $50 payable in X-Points if in the USA (“the 5th Friend Bonus Reward”) each time they hit 5 successful Referred Users when the following conditions are be met:  

(a) Have an active Wirex Account;  

(b) Referrals result in 5 successful Referred Users that have each registered their Wirex Account following a referral link, received from a Referring Participant; and 

(c) Satisfaction of above conditions in 4.3 in respect of each Referred User. 

4.5 The Crypto Deposit Reward and 5th Friend Bonus Reward (collectively, the "RAF Promotion Rewards") are subject to the limitations in paragraph 6 below. 


5. How will the RAF Promotion Rewards be paid? 

5.1 RAF Promotion Rewards will be deposited to your Account at the end of the month in which the RAF Promotion Reward was successfully earned.  You may exchange, hold or withdraw your RAF Promotion Rewards in accordance with our General Terms. 

5.2 The RAF Promotion Rewards may be subject to tax in your jurisdiction. You are responsible for paying any tax due on any RAF Promotion 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 Referring Participant, and the Referred User's, ability to obtain rewards

6.1 You will not have completed an eligible card transactions if the transaction includes any of the following: 

(a) Any cash withdrawals (including ATM transactions and cashback); or 

(b) Any money transfers. 

6.2 We reserve the right not to pay out any RAF Promotion 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 Promotion and the Referred User has created a Wirex Profile, deposited cryptoassets in accordance with paragraph 4.3 and used their Wirex Card in accordance with paragraph 4 after the date on which the RAF Promotion was discontinued; 

(c) The Referred User has initiated a chargeback in respect of, or otherwise reversed the transactions referred to in paragraph 4; or 

(d) We are prohibited from paying you any RAF Promotion Rewards by applicable law. 

6.3 We may also refuse to pay out any RAF Promotion 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 terms and conditions 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 Promotion; 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 Promotion. 

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

6.5 All RAF Promotion Rewards due to USA registered customers (US residents or citizens) shall be paid out in X-Points only. Requests for cash substitution, as well as requests for transfer or assignment of bonus to third parties, shall not be allowed nor considered by Wirex.   

6.6 Wirex has the right to maintain the integrity of the RAF Promotion and in any event of fraud or fraud attempt, at its sole discretion, to revoke, deny or withdraw bonus, to block user’s access to particular products, and/or exclude a user from any future promotional offers.   

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

6.8 Wirex reserves the right to recover any payments made to Referring Participant 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 Promotion 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 Promotion on reasonable notice to you. If we discontinue the RAF Promotion, we will subject to paragraph 6, honour any RAF Promotion Rewards for which you became eligible prior to 11:59 pm UTC time on the last date of the RAF Promotion. 

7.3 Wirex accepts no responsibility for any loss or damage incurred or suffered by Referring Participant, or the Referred User, as a result of participating in the RAF Promotion or accepting or using any RAF Promotion Reward, including (but not limited to) any loss resulting from the following:  

(a) Any postponement or cancellation of the RAF Promotion, or any delay in crediting any RAF Promotion Rewards to Referring Participant, 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 Promotion; 

(c) Any damage to your or any other person's computer relating to or resulting from participation in the RAF Promotion; 

(d) Any act or default of any third-party supplier. 

7.4 Nothing in these terms and conditions 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 terms and conditions as setting out the written terms of our agreement with Referring Participant and the Referred User, for your respective participation in the RAF Promotion. If part of these terms and conditions cannot be enforced, then the remainder of the terms and conditions will still apply to our relationship. 

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

9.3 The Referral Promotion 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.