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Earn for 2 years on every friend you refer.
Get a 25% bonus on every base rebate your referrals earn during their first 2 years as Finly members. No cap on friends, no cap on payouts. Paid in real cash via Interac.
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No caps on earnings
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Paid via Interac
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Stack on top of rebates
Why it’s different
One of the most generous referral programs in Canadian fintech.
Built for compounding — every friend you refer earns you bonuses for 2 full years. No cap on payouts and no cap on the number of friends.
2 full years
Earn on everything they claim for 2 years
Most programs pay once. We pay every time your friend earns a rebate during their first 2 years with Finly — every eligible offer and approval.
Stackable
Stacks on top of their rebate
Your friend still gets the full Finly rebate. Your 25% bonus is paid out of our pocket, not theirs.
Real cash
Paid via Interac e-Transfer
No points, no gift cards, no waiting on a portal. Real Canadian dollars, sent to your bank, on the same payout schedule as your rebates.
How it works
Set it up once, get paid for years.
From sending your link to compounding bonuses — here’s the whole flow in four steps.
01
Grab your link
Sign in and copy your personal referral link from your dashboard.
02
Share with friends
Send it however you like — text, email, social, group chat. There's no cap on how many people you invite.
03
They earn a rebate
When they sign up through your link and get approved for an eligible offer, we record the referral.
04
You earn 25% — for 2 years
On every base rebate they earn during their first 2 years as a Finly member. Paid via Interac like your own rebates.
Earnings potential
See what your network is worth.
Drag the slider and pick a horizon. Numbers are illustrative and based on average Finly member activity — your actual results vary with the offers your friends claim.
Friends you’ll refer
5
friends
Time horizon
Estimated total bonus
5 friends · 2 yrs
$394
~$55 per friend in their first year
Assumes a 25% bonus on the average member’s base rebate activity. Promotional and limited-time bonus amounts are excluded.
No referral caps
2 years per friend
Cash to Interac
Fine print, in plain English
How your 25% bonus is calculated.
We keep referrals straightforward. Read once, and you’ll know exactly what counts.
The headline rule
Your 25% bonus is calculated on the base rebate we pay on each offer — not on any limited-time boost, Exclusive Offer top-up, or promotional bump that may be active when your friend signs up. Example: if a card’s base rebate is $100 and there’s a temporary $50 boost, your friend collects $150 and you earn $25 (25% of $100).
You earn 25% on
The base (standard) rebate amount Finly offers on an eligible product
New sign-ups by referred members who haven't held the product with that issuer before
Every approved rebate during the referred member's first 2 years with Finly — no dollar cap
Standard credit-card, bank-account, and brokerage sign-up rebates
Not included
Rebates your friend earns more than 2 years after joining — each referral expires 2 years from their registration date
Promotional or limited-time bonus boosts on top of the base rebate
Finly Exclusive Offer top-ups and partner-only welcome bumps
Rebates declined by the issuer (e.g. existing customer, application rejected)
Self-referrals or duplicate accounts
Any product specifically marked as referral-ineligible on its offer page
Referral bonuses are paid out after the underlying rebate is approved and processed by the issuer. Finly may pause or revoke bonuses tied to fraudulent or abusive activity. Specific offers may include additional product-level exclusions, which are noted on the offer page itself. Finly may update these terms; the current version governs all referrals going forward.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
FAQ
Everything you wanted to ask about referrals.
Still curious? Drop us a line through your Finly account and we’ll get back to you.
There's no dollar cap. You earn 25% on the base rebate of every eligible offer your friend claims during their first 2 years with Finly. An average active member earns a few hundred dollars in base rebates per year — your bonus is 25% of that, paid every time their rebate is approved.
The base rebate is Finly's standard, advertised cash back on an offer — before any limited-time boost, Exclusive Offer top-up, or promotional bump. If a card normally pays $100 in cash back and there's a temporary $50 boost on top, your referred friend collects $150 and you earn $25 (25% of the $100 base).
Each referral lasts 2 years from the day your friend joins Finly. During that window you collect 25% of every base rebate they earn on eligible offers; after 2 years that referral link expires. There's no cap on the number of friends you refer — every new friend starts their own fresh 2-year window.
No cap. Share your link as widely as you want — every new member who signs up through your link is tied to your account.
Sign in to your Finly account and head to your Referrals page. Your unique link is right there, ready to copy and share.
Referral bonuses pay out via Interac e-Transfer on the same schedule as your own rebates — typically within ~10 days of the underlying rebate being approved and processed by the issuer. Make sure your Interac email is set in your Finly profile.
Not at all. Your friend gets the exact same full rebate as anyone signing up directly. Your 25% bonus comes out of Finly's pocket, not theirs.
No rebate is paid by the issuer in that case, so there's nothing to take 25% of. They're welcome to try a different offer — the referral stays attached to their Finly account either way.
No. Finly Exclusive Offers and limited-time bonus boosts are excluded — bonuses apply to the standard base rebate amount only. The product page on each offer always shows the base figure your 25% is calculated against.
No. Self-referrals, duplicate accounts, and any abuse of the program are not eligible and may result in bonuses being reversed or the account being suspended.
We can't give tax advice. Like rebates, referral bonuses are generally treated as a cashback/rebate rather than income. Consult a Canadian tax professional for guidance on your specific situation.
Ready when you are
Your network is an income stream.
Start collecting today.
Copy your link, send it to a friend, and let the compounding do the rest. Every approved rebate they earn in their first 2 years drops a 25% bonus into your Interac inbox.
Get Your Referral Link