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Citizen Money is better with friends

What’s better than spending and saving with Monese? Doing it with friends! Our Invite and Earn referral program is a great way for you to share Citizen Moneywith friends and family — and make extra cash for doing so!

Get rewarded when they spend

Invite up to 15 friends or family members to join Citizen Moneyand you’ll each get £5 once your friend orders their physical card and successfully makes their first card transaction with us.

Then, get £5 each once your invited friend has spent a total of £500 in card transactions on their Citizen Moneyaccount, or sent this much internationally (outside the EU/EEA).

Invite and Earn in 4 easy steps

Invite your friends

Invite your friends

Invite your friends straight from the Invite tab in your app

They sign up & start using Citizen Money

They sign up & start using Citizen Money

Once they sign up with your invite code, remind them to start spending

You’ll both get a bonus

You’ll both get a bonus

As soon as their first card transaction has cleared, you’ll both receive £5

They sign up & start using Citizen Money

Earn more when they spend more

And you'll get £5 once they’ve spent £500 with their Citizen Moneycard or sent that much internationally

Remind your friends

We don’t want you to miss out on your earnings! We make it easy to keep track of your invitees in the app and nudge friends who still need to sign up and spend, so you can both get your rewards.

What are the benefits?

Besides you and your friends making some extra money,
once your invitees have successfully opened their account,
you’ll be able to:

Send and receive free and instant payments to each others’ Monese accounts

Send and receive free and instant payments to each others’ Monese accounts

Open a joint account together so you can spend, share and save together

Open a joint account together so you can spend, share and save together

Easily and quickly find friends nearby to pay and request money via Bluetooth

Easily and quickly find friends nearby to pay and request money via Bluetooth

Invite and Earn FAQs

Our Invite and earn program is available to anyone living in the United Kingdom and Germany.

There’s no limit to how many friends you can invite, but the reward will only kick in for up to 15 friends.

If you have more than one currency account, you’ll receive your reward in the currency of your primary account (this is the account you first opened with us).

Check your app to see if your friend has already signed up and made their first card transaction. If not, you can nudge them straight from your app.

anytime

Anytime, Anywhere on Any Device

Join the hundreds of thousands of happy and empowered customers

in our community thanks to Citizen's unparalleled banking solutions