Who can use this offer?
- Eligibility
- Eligible new app users; identity and destination checks apply
- Spending or deposit
- Transfers totalling £5,000 or more
Read the provider’s full terms and confirm your eligibility before applying.
How to claim the offer
Follow these steps only if the provider confirms the invitation and its current terms.
- Open the app invitation and review its current referral terms.
- Enter XEREF-WCKV1PIK before the first eligible transfer.
- Compare the rate and final amount received with another provider.
- Only complete a transfer you genuinely need and follow the reward-claim process.
Important conditions
- The gift card is separate from the money delivered to the recipient.
- A small exchange-rate difference on £5,000 can outweigh the reward.
- Routes, deadlines, excluded transfers and refund rules can change; confirm all details before sending.
Checks & provider information
- Last checked
- 18 Oct 2026
Checked 18 October 2026: Xe’s UK referral page gives a £50 gift card to both people once the friend’s transfers total £5,000 or more, app only, paid within 10 working days. Xe’s separate terms page still shows older £25/£1,000 figures.
Xe refer a friend
