It's simple. When your friend registers via your personalized referral code and they make a qualifying transfer (or a few) totalling over £1,000GBP (or currency equivalent) you'll both get a £25 gift card.

The reward is a £25 gift card for both referrer and friend.

After you've joined our refer a friend programme and have access to your very own personalised referral code, you can share it with your contacts via Email, SMS, Whatsapp, or any other messaging service you use. We also recommend sharing the code on your social channels or community pages to reach as many relevant friends as possible. Please note that you'll need third-party cookies enabled in order to participate.

Our referral programme is open to everyone. If you know someone who sends money abroad, you can grab your personalised code and start sharing right away. It's a great way to earn some extra cash simply by helping a friend out!

It can take up to 10 working days from when the person you've referred has had their payment sent. If you haven't received your gift card by this time, please email referafriend@xe.com and someone will look into it further for you.

You can access the full Terms and Conditions for our UK-based Refer a Friend program by clicking here.