You earn £50 only when 3 of your friends complete their 1st international transfer with £200 or above after installing the PassTo app using your invite link. You earn credit again if another 3 friends did the same.

Each friend earns £5 when they complete their 1st international transfer with £200 or above and only if they installed the app using your invitation link. Your friend should also complete his/her 1st transfer within 30 days of signing up. Otherwise, neither of you will be eligible to earn the credit.

Once a friend downloads the app through your invite link, he has 30 days to make his first international transfer for both of you to be eligible for the referral reward.

Any credit earned by you or your friends will expire if not used within 90 days of adding the credit to your wallet.

You can only use your free credit to make international money transfers or airtime top-ups through the PassTo app.

Your earned credit will be removed from your wallet once you deactivate your PassTo account.

PassTo has the right to remove the earned credit if any abuse has been detected and, in some cases, even block the account.

If your PassTo account was blocked for any reason, your earned credit will be removed from your wallet.

Any transfer done by your friends to a common beneficiary won't be counted towards your progress.