> For the complete documentation index, see [llms.txt](https://docs.bankly.cc/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bankly.cc/getting-started/referral-program.md).

# Referral Program

Share Bankly with friends and you both get rewarded. When someone joins with your referral and starts using their account, rewards land for both sides.

## How it works

1. Open your referral code or link in the app (iOS or the Telegram mini-app).
2. Share it with a friend.
3. Your friend signs up for Bankly and verifies their email.
4. They set up their account and start using Bankly.
5. You both earn rewards.

{% hint style="info" %}
One Bankly account works everywhere. Your friend can join on the [iOS app or the Telegram mini-app](/getting-started/sign-up.md) and your referral still counts.
{% endhint %}

## Where to find your code

Your referral code and shareable link live inside the app:

* **iOS app** — open the referral section in your profile.
* **Telegram mini-app** — the same code, tied to your one account.

Both clients share the same referral, so you can copy your link from whichever you have open.

## Where rewards appear

Referral rewards are credited inside the app once your friend qualifies. You'll see them reflected in your Bankly balance and rewards activity, the same place your [cashback and XP](/getting-started/membership.md) show up.

{% hint style="success" %}
Referrals stack with everyday earning. You keep collecting cashback and XP on your own spend while your invites bring in extra rewards.
{% endhint %}

## Getting your friend started

To make sure a referral qualifies, your friend should:

1. Sign up with your code or link and verify their email with the one-time code.
2. Accept the Terms and set their 6-digit PIN.
3. Issue a card and start using Bankly.

For the full walkthrough, see [Create your account](/getting-started/sign-up.md).

## Fair use

Referrals are meant for inviting real friends. To keep the program fair:

* No referring yourself or creating extra accounts to claim rewards.
* No fake, duplicate, or automated sign-ups.
* Rewards may be withheld or reversed where abuse is detected.

{% hint style="warning" %}
Referral rewards and terms can change over time. The current details always live in the app.
{% endhint %}

Want to learn what your friend unlocks by joining? See [Membership](/getting-started/membership.md) and [About Bankly Card](/card/about-bankly-card.md).


---

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