Program Details
| Commission | £10 per personal account; £50 per business account (Cost Per Action) |
| Cookie Duration | Lifetime (no expiry) |
| Network | Partnerize (Direct) |
| Payment Methods | Bank Transfer, Wise Account |
| Min. Payout | £20 / €20 / $30 |
| Payment Frequency | Monthly (Net 30) |
| Category | Fintech / International Money Transfer |
| Countries | Global (170+ countries) |
| Website | wise.com |
Wise (formerly TransferWise) is one of the world’s leading international money transfer services, used by over 16 million people and businesses in 170+ countries. The company built its reputation on transparent pricing: it uses the real mid-market exchange rate and shows fees upfront, unlike banks that hide costs in marked-up exchange rates. Wise also offers multi-currency accounts and borderless debit cards, making it a go-to tool for expats, freelancers, and global businesses.
Wise Affiliate Program Overview
The Wise affiliate program pays a flat CPA (cost per acquisition) fee for every new user you refer who completes their first cross-currency transaction. The standard commission is £10 for personal account referrals and £50 for business account referrals – a meaningful difference if your audience includes freelancers, small businesses, or international teams.
The program runs through Wise’s direct affiliate portal (powered by Partnerize). One standout feature is the cookie: it has no expiry. Once someone clicks your link, you get credit for their first qualifying transfer no matter how long they take to sign up. This is unusual – most fintech programs use 14 to 45-day windows. Payouts are monthly via bank transfer or Wise account, with a minimum payout threshold of around £20 / €20 / $30 depending on your currency.
Pros and Cons
Pros:
- Lifetime cookie – no expiry window to worry about
- £50 commission for business account referrals
- Major trusted brand with very high conversion rates
- No cap on total earnings
- Transparent Partnerize dashboard with reliable monthly payouts
- High-Volume Bonus tier available for affiliates sending 50+ referrals per month
Cons:
- One-time CPA only – no recurring revenue on future transfers the user makes
- Commission only triggers on cross-currency transactions, not domestic transfers
- Strict ban on bidding on “Wise” or “TransferWise” brand terms in paid search
- Manual approval required – coupon sites and thin-content blogs are rejected
How to Join
The Wise affiliate program is managed directly through their partner portal. Head to wise.com/affiliate-program and submit an application. You’ll need an active website, blog, or social presence with content relevant to international finance, travel, expat life, remote work, or small business. Applications are reviewed manually, and approval typically takes a few business days.
Once approved, you’ll access your tracking links, banners, and performance reports inside the Partnerize platform. If your audience skews toward content creators or influencers on Instagram, TikTok, or YouTube, Wise also runs a separate Influencer program with dedicated support and potential for negotiated rates.
Frequently Asked Questions
What counts as a qualifying referral for Wise?
A referral qualifies when a new user (someone who does not already have a Wise account) signs up through your unique tracking link and completes their first cross-currency money transfer. Domestic transfers within the same currency do not trigger a commission payment.
How long does the Wise affiliate cookie last?
The Wise affiliate cookie has no expiry – it is effectively a lifetime attribution window. Once someone clicks your referral link, your affiliate ID stays attached to that user indefinitely. This is a significant advantage over most fintech competitors, which typically offer 14 to 45-day cookies.
How much can I earn for referring business customers?
Business account referrals pay £50 per conversion, compared to £10 for personal accounts. If your content reaches freelancers, agency owners, importers/exporters, or anyone paying international contractors, promoting the business angle can multiply your earnings considerably. Affiliates who hit 50+ referrals per month may also qualify for the High-Volume Bonus tier.
Are commission payments made in GBP?
The commission rates are denominated in GBP, but Partnerize supports payouts in multiple currencies including USD, EUR, AUD, and JPY. The minimum payout threshold is approximately £20, €20, or $30 depending on your selected currency. Payments are processed monthly on a Net 30 basis.
Can existing Wise users be referred for a commission?
No. Commissions are paid only for new users who did not have a Wise account prior to clicking your link. Referring someone who already has an account – even a dormant one – will not generate a commission. Focus your content on audiences who are likely encountering Wise for the first time.
How does Wise’s affiliate program compare to Revolut’s?
Wise’s biggest advantage is the lifetime cookie versus Revolut’s 14-day window via Impact. Revolut pays £2 to £20 for retail referrals, which is lower than Wise’s flat £10 – though Revolut’s business tier can reach £500. For most content affiliates targeting general finance or expat audiences, Wise tends to convert better due to its longer-established trust and simpler fee story.
Final Verdict
The Wise affiliate program is a strong option for anyone publishing content in the international finance, expat, freelancer, or travel space. The lifetime cookie removes the time-pressure that costs conversions on other fintech programs, and the £50 business commission gives real earnings potential if you can reach a professional audience. The one drawback is the one-time CPA model – you earn nothing from a user’s second, third, or hundredth transfer, so long-term passive income depends on consistent new traffic rather than compounding commissions.
