Wise Referral Code UK 2026: Free Card + Fee-Free Transfers

If you send money abroad or use an international card, you're probably paying way too much in fees. Banks charge between 3–5% just to convert your money. That's madness.

Wise changes that. It's the smart way to send money and spend abroad, and right now you can get either a free Wise card or fee-free transfers up to £500 when you sign up using my referral link.

No hidden charges. No tricks. Just real exchange rates and transparent fees.

Use my Wise referral link to get your reward now

What Is the Wise Referral Offer?

Here's what you actually get:

When you sign up through my referral link, you'll receive either a free Wise card (normally £7.99) OR fee-free transfers up to £500. You choose which reward works best for you.

The offer is straightforward:

New Wise users can claim one of these rewards
You'll need to verify your identity (takes 5–10 minutes)
Complete your first transfer for £200 or more
Your reward will appear in your account within 5 working days

I also benefit: I receive £25 for each friend who signs up and transfers £200 or more. If three friends do that, I get £75. It's a win-win situation.

These rewards are standard across Wise's referral programme in the UK. You're not getting anything special because it's me referring you, but you're getting exactly what thousands of other new Wise users receive.

How to Use My Wise Referral Code

There's no actual referral code to enter, which confuses some people. Instead, you use my referral link, and everything is connected through that link.

Here's the step-by-step process:

1. Click my referral link: wise.com/invite/ihpc/michaelm11459

2. Sign up for Wise

Provide your email address
Create a password
Enter your basic details (name, address, date of birth)

3. Verify your identity

Wise will ask for proof of identity (driving licence or passport works)
Takes about 5–10 minutes
Sometimes instant, sometimes up to 24 hours

4. Add a payment method

Link your UK bank account to Wise
This is safe and secure

5. Make your first transfer

Send at least £200 to unlock the referrer reward
Could be a personal transfer or business transfer, doesn't matter
Transfer to any country Wise supports

6. Claim your reward

The free card or fee-free transfer credit appears within 5 working days
Use it straight away or save it for later

That's it. Five steps and you're done.

What Is Wise and How Does It Work?

Wise started in 2011 (originally called TransferWise) and is now one of the world's most trusted financial services companies. It's FCA authorised and regulated, listed on the London Stock Exchange, and used by millions of people globally.

The core idea is simple: Wise gives you the real, mid-market exchange rate when you send money abroad. No markup. No hidden fees.

Here's how it actually works:

You have a multi-currency account that holds 40+ different currencies. When you send money to another country, Wise matches your payment with someone sending money in the opposite direction. This is called peer-to-peer matching, and it's incredibly efficient.

Instead of your money going through multiple banks (each taking a cut), Wise moves the funds locally in each country. The result? You get the real exchange rate, and transfers arrive faster than traditional banks.

You can also spend abroad using the Wise card (either physical or virtual). It automatically converts at mid-market rates, so you're not overpaying on holiday or when shopping online.

Why I Use Wise (And You Should Too)

I use Wise regularly for Glide Marketing, my marketing agency. We work with clients globally, and transfers that used to cost £40–50 now cost £2–3. The difference adds up quickly when you're doing this multiple times per month.

For personal use, I travel fairly regularly and always take the Wise card. No more panic about exchange rates or wondering if I'm being ripped off at a bureau de change. The card just works, and I get a fair rate every single time.

What made me switch from my bank:

Transparent fees — I know exactly what I'm paying before I transfer
Real exchange rates — No mysterious markups
Speed — Transfers arrive in minutes, not days
Multi-currency account — Hold money in different currencies without opening multiple accounts

Most of my clients and friends now use Wise too. Once you see how much you're actually saving, there's no going back to your bank.

Wise Referral Offer: Full Breakdown

| Detail | Information | |--------|-------------| | Your reward | Free Wise card OR fee-free transfers up to £500 | | My reward | Up to £75 (£25 per qualifying friend) | | Minimum transfer required | £200 | | How long to receive reward | Up to 5 working days | | Offer expiry | Claim within 1 year of sign-up | | Countries eligible | UK and 100+ countries worldwide | | Sign-up bonus applies to | New Wise customers only |

The key detail: you must complete a transfer of at least £200 for the reward to activate. Small transfers don't trigger the referral bonus. But if you're considering using Wise anyway, this is perfect because you'll use it immediately.

Wise vs Banks: Why Wise Wins

Let's talk numbers, because this is where it gets interesting.

Imagine you're sending £5,000 abroad. Your bank's mid-market GBP/EUR rate is 1.10. But your bank doesn't give you that rate. They give you 1.06 instead. That's a 3.6% markup, which costs you £183 on a single transfer.

With Wise, you get 1.10. No markup. You save £183 on this one transfer alone.

Banks also charge transfer fees on top of poor exchange rates. Typically £15–40 per international transfer. Wise charges a small percentage (usually 0.5–2.5% depending on the route and speed you choose).

Here's a real comparison:

Bank transfer: £5,000 to Europe

Exchange rate markup: £183 loss
Transfer fee: £35
Total cost: £218

Wise transfer: £5,000 to Europe

Exchange rate: Real mid-market rate
Transfer fee: £12
Total cost: £12

You save £206 on one transfer. If you send money abroad regularly, the savings are substantial.

Speed matters too. Bank transfers take 2–5 business days. Wise transfers arrive within hours or sometimes minutes.

Start saving money with my Wise referral link

Is Wise Safe and Legit?

Wise is 100% legitimate and properly regulated. It's authorised by the FCA (Financial Conduct Authority) under the UK Payment Services Regulations. This means your money is protected and Wise operates to the same standards as traditional banks.

A few additional trust signals:

Millions of users — Over 20 million people worldwide use Wise
Listed on London Stock Exchange — It's a public company and subject to rigorous financial reporting
Transparent about fees — You always see the exact fee before you confirm the transfer
Customer reviews — Trustpilot rating consistently above 4.5 stars
Awards — Named one of the best fintech companies multiple times

I wouldn't use Wise for my business if it wasn't secure. My clients trust me to manage their money wisely, and Wise is the tool that helps me do that.

Frequently Asked Questions

Does Wise have a referral code?

No, Wise doesn't use referral codes. Instead, you use a referral link (like mine above). The link contains the referral information, so there's no code to enter. Just click the link and sign up through it.

How much do you get for referring someone to Wise?

I receive £25 when someone signs up through my link and makes their first transfer of £200 or more. I can get up to £75 per month (three qualifying referrals). There's no limit to how many people I can refer, so it adds up over time.

Is Wise free to use?

Wise itself is free. You don't pay monthly fees or account fees. You only pay a small fee (usually 0.5–2.5%) when you make a transfer. That fee depends on the route and the speed you choose. Holding money in different currencies is also free.

Can I use Wise for business?

Absolutely. I use Wise for Glide Marketing regularly. Wise has a business account option with some additional features. You can send invoices to clients and receive payments in different currencies. It's ideal for freelancers and small business owners working internationally.

How long does a Wise transfer take?

Most transfers arrive within 1–2 hours. Some routes are faster (arrive within minutes), and some take up to 24 hours. Wise shows you the expected delivery time before you confirm the transfer, so you always know what to expect.

Is the Wise card free?

The physical Wise card normally costs £7.99. But if you use my referral link, you get it free as your sign-up reward. If you prefer a virtual card, that's completely free and arrives instantly.

Can I use the Wise referral link more than once?

Each person can only claim the referral reward once. However, the link works for as many people as I send it to. Only new Wise customers are eligible for the reward though. If you're already a Wise user, you won't get the bonus.

Does the Wise referral work in the UK?

Yes, the referral works perfectly in the UK and actually works in 100+ countries worldwide. Wise operates in most countries, so if you have friends abroad, you can refer them too and both of you get the reward.

What happens if my friend doesn't transfer £200?

If someone signs up through my link but doesn't make a transfer (or only transfers less than £200), neither of us gets the referral reward. You'll still have your account and can use Wise, but the sign-up bonus won't apply.

Can I use Wise to receive money?

Yes, absolutely. One of Wise's best features is that you can receive money from anywhere in the world. You get a local bank account number in each country (in major currencies like USD, EUR, GBP, etc.). This is perfect if you're a freelancer or own a business and want clients to pay you directly.

Ready to Get Your Free Wise Card?

You've seen the numbers. You know it saves money. You know it's safe and legitimate.

Click here and sign up with my Wise referral link to get your free card or fee-free transfers up to £500

It takes five minutes to set up, and you'll start saving on international transfers immediately. No long-term commitment, no hidden fees, just a better way to send money and spend abroad.

Looking for more ways to save on finances? Check out my referral guides for Revolut (earn up to £200), Monzo (get up to £50 free), and Capital On Tap (get £75 free with a business credit card).