Reviewed by: BonusFoundry Editorial Team
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Independent bonus guides
BonusFoundry explains referral programs, signup offers, and first-transfer rewards for money transfer and fintech apps. We answer the practical questions first, then show our referral code when it is relevant.
Start with the providers people search for most.
Taptap Send is a money transfer app used for sending money from countries such as France, the UK, the US, Canada, and parts of Europe to selected destinations in Africa, Asia, and Latin America.
Use TapTap Send referral code SALAHEDD1933 to receive a €10 or $10 bonus after completing a qualifying first transfer of at least €100 or $100. This offer was manually verified in the TapTap Send app.
Code listed: SALAHEDD1933
Read guideWise offers international transfers, multi-currency balances, debit card features, and local account details in many markets.
Wise referral benefits depend on the country, product, and active campaign shown during signup. Some users may see no public welcome bonus.
Check referral details
Read guideRemitly is an international remittance app for sending money to bank accounts, mobile wallets, and cash pickup locations in supported countries.
Remitly may offer first-transfer promotions or referral rewards depending on the sender country, destination, payment method, and active campaign.
Check referral details
Read guideSendwave is a money transfer app used for sending funds to selected countries, often with mobile-focused delivery options.
BonusFoundry lists I4H9G as the Sendwave referral code. Use it during signup or the first-transfer flow if Sendwave shows a code field, then confirm the current reward and eligibility terms in the app.
Code listed: I4H9G
Read guideRia is a money transfer provider with online transfers and a large cash pickup network in many countries.
Western Union is a global money transfer provider with online transfers, app transfers, and agent-location services.
Western Union publishes US Refer a Friend pages where invited friends can receive a $0 transfer fee on their first international digital money transfer and both users receive rewards after requirements are completed. Western Union's official terms are country-specific, so BonusFoundry does not treat the US offer as a universal global reward.
Check referral details
Read guideMoneyGram provides international transfers through online, mobile, and agent-location channels in many markets.
MoneyGram publishes a US Invite Friends program. The US page says new customers get $20 toward their first qualifying transfer and the referrer gets $20 after the friend completes a first qualifying transfer of $50 or more.
Check referral details
Read guideWorldRemit supports international money transfers to bank accounts, mobile wallets, airtime top-up, and cash pickup in selected markets.
WorldRemit can show promo, referral, or first-transfer offers in its own app, help, or checkout flow. Use the current WorldRemit offer shown for your account, sender country, destination, payment method, and delivery method.
Check referral details
Read guidePaysend offers international transfers and card-to-card or account-based money movement in supported markets.
Paysend publishes a referral program where invited friends get their first transfer fee-free and referrers can earn bonuses for up to 12 successful transfers made by each friend within the friend's first 12 months. The published bonus is £1.50, €2.25, or $3 per eligible transfer, up to £18, €27, or $36 per friend, or the local equivalent.
Check referral details
Read guideLemFi is a fintech and money transfer app used by diaspora customers in supported markets for sending money and managing cross-border financial needs.
The LemFi offer was manually verified as a €10 or $10 bonus after a qualifying transfer of €100 or $100, and the code remains valid. LemFi's Europe invite-and-earn page also says both users can receive EUR 10 when a referred friend signs up, verifies, and sends over EUR 100 in one transfer.
Code listed: SALABGWQ
Read guideXe provides international money transfers and currency tools for personal and business users in supported countries.
Xe publishes a US Refer a Friend landing page that says referrers get $50 for each referral and both users get to choose a gift card when the friend's transfer qualifies. Use Xe's own referral entry point or app code when the offer is available for your account.
Check referral details
Read guideFrance to Morocco transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route often needs a practical comparison between digital transfers, cash pickup, bank deposit, and first-transfer referral eligibility.
Providers: Taptap Send, Wise, Remitly, Ria, Western Union, MoneyGram, WorldRemit
Compare bonus optionsFrance to Algeria transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route is mainly a coverage and pickup-method question, because some digital providers may not expose the same Algeria payout options in static documentation.
Providers: Remitly, Ria, Western Union, MoneyGram, WorldRemit, LemFi
Compare bonus optionsFrance to Tunisia transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route should be checked for cash pickup, bank deposit, and whether first-transfer offers exclude specific payout methods.
Providers: Remitly, Ria, Western Union, MoneyGram, WorldRemit, LemFi
Compare bonus optionsFrance to Senegal transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route often requires comparing mobile money, cash pickup, and bank delivery rather than looking only at the referral reward.
Providers: Taptap Send, Remitly, Sendwave, Ria, Western Union, MoneyGram, WorldRemit, LemFi
Compare bonus optionsFrance to Cote d'Ivoire transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route should prioritize receiving method support, because mobile money, cash pickup, and bank delivery can have different availability and offer rules.
Providers: Taptap Send, Remitly, Sendwave, Ria, Western Union, MoneyGram, WorldRemit, LemFi
Compare bonus optionsBelgium to Morocco transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route is useful for users comparing EU-funded transfers to Morocco, especially where France-specific offers do not apply to Belgium accounts.
Providers: Wise, Remitly, Ria, Western Union, MoneyGram, WorldRemit, LemFi
Compare bonus optionsSpain to Morocco transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route should be checked for Spain-specific account eligibility and Morocco receiving method support, not copied from France or Belgium pages.
Providers: Wise, Remitly, Ria, Western Union, MoneyGram, WorldRemit, LemFi
Compare bonus optionsCanada to Morocco transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route should focus on Canadian payment methods, Morocco payout options, and whether any offer is limited to a different sender country.
Providers: Wise, Remitly, Ria, Western Union, MoneyGram, WorldRemit, LemFi
Compare bonus optionsUSA to Morocco transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route should compare US funding methods, Morocco receiving options, and whether a provider rewards only the first qualifying transfer.
Providers: Wise, Remitly, Sendwave, Ria, Western Union, MoneyGram, WorldRemit, Paysend, Xe
Compare bonus optionsUSA to Egypt transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route should prioritize live route confirmation, because provider-level coverage can be broad while Egypt payout methods vary by transfer flow.
Providers: Remitly, Ria, Western Union, MoneyGram, WorldRemit, Paysend, LemFi, Xe
Compare bonus optionsUSA to Ghana transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route often needs comparison between mobile money, bank delivery, cash pickup, and first-transfer reward eligibility.
Providers: Remitly, Sendwave, Ria, Western Union, MoneyGram, WorldRemit, LemFi, Xe
Compare bonus optionsUSA to Ethiopia transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route should be checked for destination support, bank or cash payout availability, and first-transfer verification timing.
Providers: Remitly, Ria, Western Union, MoneyGram, WorldRemit, Xe
Compare bonus optionsUSA to Kenya transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route often needs comparison between mobile wallet delivery, bank deposit, cash pickup, and US funding method tradeoffs.
Providers: Remitly, Sendwave, Ria, Western Union, MoneyGram, WorldRemit, LemFi, Xe
Compare bonus optionsUK to Nigeria transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route often needs comparison between specialist diaspora apps, mobile or bank delivery, and broad global providers.
Providers: Taptap Send, Remitly, Sendwave, Ria, Western Union, MoneyGram, WorldRemit, LemFi
Compare bonus optionsUSA to Nigeria transfers should be compared by route availability, total cost, delivery method, identity checks, and whether the provider shows a corridor-eligible welcome or referral offer. This route should compare US funding methods, Nigeria receiving options, and whether a provider's referral terms are US-specific or route-specific.
Providers: Remitly, Sendwave, Ria, Western Union, MoneyGram, WorldRemit, LemFi, Xe
Compare bonus optionsReferral codes connect a new signup to an existing user's invitation and may unlock a welcome reward when the current terms are met.
Read guideA practical checklist for claiming a money transfer welcome bonus without missing signup, verification, or first-transfer requirements.
Read guidePromo codes and referral codes can both reduce costs or unlock rewards, but they usually come from different programs.
Read guideCommon reasons signup bonuses fail and the checks to make before creating a money transfer account.
Read guideLearn how TapTap Send bonus credit works, when it may be applied, why it may not appear, and what to check before making a transfer.
Read guideA practical framework for comparing welcome bonuses without ignoring transfer fees, exchange rates, delivery method, and eligibility rules.
Read guideA safety and eligibility checklist for using money transfer referral links before signup or a first transfer.
Read guideCommon reasons a welcome bonus does not appear after signup or a first transfer, and what to check before contacting support.
Read guideCompare the best apps for sending money to Morocco in 2026 by fees, exchange rates, speed, bank deposit, cash pickup and referral bonuses.
Read guideUsually no. Many money transfer providers require the referral link or code before account creation or before the first qualifying transfer. Check the provider's support flow if the offer was visible but did not attach.
A referral bonus is usually missing because one condition was not met. Check code entry, new-user status, verification, transfer amount, destination, payout method, and reward timing before contacting provider support.