Refer & Earn
Refer a Friend,
Earn a $20 Fee Credit
You earn a $20 fee credit for every friend who joins TopRate and completes their first transfer — and your friend starts with the $100 special-rate welcome credit that every new TopRate customer gets, toward a better exchange rate. Up to 10 rewarded referrals per 12-month period. T&Cs apply.
You earn
$20 fee credit
Per successful referral, credited automatically
Your friend starts with
$100 welcome credit
The special-rate welcome credit every new TopRate customer gets — toward a better exchange rate, not a cash payout.
Exchange rates are live, variable, and not guaranteed. T&Cs apply.
Refer a Friend, Earn Rewards
You earn a $20 fee credit — and your friend starts with the $100 special-rate welcome credit that every new TopRate customer gets, toward a better exchange rate.
You earn
$20 fee credit
Fee credit, per successful referral
Your friend starts with
$100 special-rate welcome credit
The welcome credit every new TopRate customer gets — credit toward a better exchange rate on their transfers, not a cash payout.
TopRate is better with friends
What's better than sending money with TopRate? Doing it with people you care about.
It's better together
International transfers shouldn't break the bank for you or your friends. Share TopRate and help them send more home.
Rewards you keep
Your $20 fee credit doesn't expire overnight. You have 60 days to use it — and it applies to real fees, not a promotional rate.
Keep earning referral credit
Every successful referral earns you another $20 fee credit, credited automatically — up to 10 referrals per 12-month period.
Invite & earn in 3 easy steps
From invite to reward in minutes
Invite your friends
Open the TopRate app, go to the Invite tab, and copy your unique referral link. Share it however you like — WhatsApp, SMS, email.
They sign up and send
Your friend creates a TopRate account and completes their first transfer. They start with the $100 special-rate welcome credit every new customer gets.
Claim your reward
Once they've sent the minimum AUD 100, your $20 fee credit is applied automatically. It expires 60 days after issue.
Frequently asked questions
Everything you need to know about referring friends and earning rewards.
Ready to share and earn?
Share your link on WhatsApp or get the app to start your first transfer.