A first-time user must enter the referral code before the first transfer and successfully send at least the current minimum to someone other than the referrer. Both users receive the app-disclosed bonus, which varies by sending country and destination; current help materials limit rewards to 20 referrals in a rolling 30-day period. Credits apply to a future eligible transfer, are not transferable, refundable, or exchangeable for cash, and expire 90 days after deposit. Account, corridor, country, verification, and any additional promotional terms apply.