Referrals

When is a referral reward paid?

Your referral bonus is added once your friend's rebate is approved, and it matures on the same schedule as that rebate. After that it's paid like your own rebates: sent once your balance reaches $10, usually within 10 days.

Updated Nov 4, 2026

A referral bonus isn't paid the day your friend applies. It follows your friend's rebate, so it moves at the pace of their bank or store. Here is the path it takes.

  1. Your friend's rebate is approved

    Banks and stores confirm on their own schedule, often days to weeks. Your bonus is only added once their rebate is approved.

  2. Your bonus appears as a Referral bonus

    It shows in your Transactions on My Earnings and in the Referral Bonus History on your Referrals page, and it counts in your Total earned.

  3. It may mature first

    If the rebate it comes from is still , your bonus matures alongside it. It's counted in Total earned but not yet in what's payable.

  4. It's sent with your other earnings

    Your payable balance is sent automatically once it reaches the $10 minimum, usually within 10 days, by direct deposit to your bank or by Interac e-Transfer. Under $10 it waits until it grows to $10.

To see how referral bonuses are worked out, read How do FinlyWealth referrals work? For the full list of statuses, see What do my cash back statuses mean?

Frequently Asked Questions

It is probably maturing with your friend's rebate. My Earnings shows the date the first amount is ready, and then it moves to your payable balance by itself.

Start a new request under Support and choose Referrals Missing. List your friends' email addresses, one per line, and anything else that helps us link them to your account.

It's paid on the same schedule as your own rebates, as part of the same balance. My Earnings includes the amount from referrals in your Total earned.

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