Refer & Earn
Refer a Friend,
Earn a $10 Fee Credit
You earn a $10 fee credit for every friend who joins TopRate and completes a first transfer of $100 or more — and your friend starts on the special rate every new TopRate customer gets: a better exchange rate on their first $500 for 30 days. Up to 10 rewarded referrals per 12-month period. T&Cs apply.
You earn
$10 fee credit
Per successful referral, credited automatically
Your friend starts with
$500 at our special rate
The welcome offer every new TopRate customer gets — a better exchange rate on their first $500 for 30 days, not a cash payout.
Exchange rates are live, variable, and not guaranteed. T&Cs apply.
Refer a Friend, Earn Rewards
You earn a $10 fee credit when your friend's first transfer of $100 or more completes — and your friend starts on the special rate every new TopRate customer gets: a better exchange rate on their first $500 for 30 days.
You earn
$10 fee credit
Fee credit, per successful referral
Your friend starts with
$500 at our special rate
The welcome offer every new TopRate customer gets — a better exchange rate on their first $500 for 30 days, 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 $10 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 (a friend whose first transfer is $100 or more) earns you another $10 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 of $100 or more. They start on the special rate every new customer gets on their first $500.
Claim your reward
Once their first transfer of $100 or more completes, your $10 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.