Money App Referral Programs NZ 2026
Compare Wise, Revolut, Emerge, and WorldFirst referral programs in NZ — international transfers, cards, and sign-up bonuses.
Quick answer: Emerge — $20 each after $50 spend (clear public page). Wise — rewards after 3 qualifying friends. Revolut — in-app, amounts vary. WorldFirst — up to US$475 each (campaign).
| App | Referrer | Referee | Program page |
|---|---|---|---|
| Emerge | $20 | $20 | Details |
| Wise | Reward after 3 friends | Fee-free transfer | Details |
| Revolut | Varies | Welcome bonus | Details |
| WorldFirst | Up to US$475 | Up to US$475 | Details |
Frequently asked questions
What is the Wise referral program?
Wise pays rewards after referred friends complete qualifying transfers. Friends may get a fee-free transfer or card benefit. See Wise’s referral about page for current NZ rules.
How does Emerge refer-a-friend work?
You and your friend each get $20 after they sign up and spend $50. Official page: emerge.nz/personal/referrals.
Is WorldFirst only for business?
WorldFirst targets international transfers for business and personal users. Referral bonuses can be substantial (campaign-based, up to US$475 cited on their NZ campaign page).
✓ Guide last verified: May 21, 2026 — Program bonuses change; confirm on each program page or official site.