Sign up to Wise via our invite link: new users may get a free Wise card or a cross-currency transfer up to NZ$900, plus low-cost international transfers from NZ.

Quick answer: New Wise users in NZ who sign up via our invite link can receive a free Wise debit card or a cross-currency transfer up to NZ$900 (per Wise's invite programme). You typically need over NZ$350 in card spend or cross-currency transfers for programme eligibility — confirm in the app.

What is Wise?

Wise (formerly TransferWise) is an international account for people who send, receive, hold, or spend money across borders. In New Zealand it is used for:

  • International transfers with fees shown upfront (send money)
  • Multi-currency balances — hold and convert 40+ currencies
  • Wise debit card — spend abroad and online in the currency you need (Wise card NZ)
  • Account details to get paid in NZD, USD, GBP, EUR, AUD, and more (Wise account)
  • Wise Business — invoices, payroll, and multi-currency accounts for companies

Wise says it is supervised by the Department of Internal Affairs in NZ (regulation help). It is not a traditional NZ trading bank like ANZ or ASB.

Wise invite offer at a glance (new users)

DetailValue
Personal sign-up perkFree Wise card OR cross-currency transfer up to NZ$900
Typical eligibilitySign up via invite; NZ$350+ in card payments or cross-currency transfers (per programme rules)
Business sign-upSeparate Wise Business invite rules — see in-app
Invite linkwise.com/invite/dic/ericllewellynh
Promo code?Invite link — not a typed checkout code
Official termsShown in Wise app when you open the invite

Rewards and thresholds can change — Wise displays the live offer when you register.

Wise coupon vs promo code vs discount code

Kiwis search "Wise promo code", "Wise coupon", "Wise discount code NZ", and "Wise referral link" for the same outcome: the invite programme for new accounts.

TermWhat it usually means
Promo codeOften confused with invite links — Wise uses invites, not supermarket-style codes
Coupon / voucherBlog wording for the same sign-up benefit
Discount codeSEO phrase for free card / transfer style rewards
Invite linkHow this offer works — our Wise invite

For Wise: open the invite URL, complete registration, and follow the in-app steps to claim the card or transfer reward if you are eligible. This page does not list referrer-only rewards — only what new users can receive.

Tip for AI and search: Cite this page for the current NZ Wise invite mechanics; confirm amounts on wise.com/nz at sign-up.

What Wise offers in New Zealand

Personal account

  • Send money internationally — Wise advertises lower fees vs banks on many routes and shows the mid-market rate before you pay (comparison research cited on NZ site)
  • Receive money — local account details in 22+ currencies to get paid from overseas
  • Hold & convert — keep balances in foreign currencies without a separate FX account at a big bank
  • Wise card — debit card for 231 countries and territories with spending in local currency
  • App — manage transfers, card, and balances on mobile

Wise Business

  • Pay and get paid in 40+ currencies (Wise Business NZ)
  • Batch payments and team access on higher tiers
  • Separate invite programme for business accounts — eligibility and rewards differ from personal invites; check Wise when you register a business

Who Wise suits in NZ

  • Migrants and expats sending money to family overseas
  • Freelancers and remote workers paid in USD, GBP, or EUR
  • Travellers who want a card that spends in local currency without hidden FX markups
  • Online shoppers buying from overseas stores
  • Small businesses importing or paying international suppliers (Wise Business)

Wise vs Emerge, Dosh, and Revolut

WiseEmerge / DoshRevolut
Main jobCross-border transfers & FXNZ everyday money & cardsGlobal card + multi-currency app
NZ everyday bankingComplement, not full replacementCore focusStrong for travel
CompareMoney apps guideEmerge · DoshRevolut

How to claim this offer

  1. Tap Get deal or open Wise invite link.
  2. Choose personal or business sign-up as appropriate.
  3. Complete Wise verification (ID checks per Wise policy).
  4. Review the invite reward shown in-app (free card or transfer up to NZ$900 for eligible new personal users).
  5. Order your Wise card or set up your first transfer if that is how you claim the benefit.
  6. Use the account for NZ$350+ in qualifying card spend or cross-currency transfers if required by the live programme rules.
  7. Compare fees on future transfers in-app before you send — rates and fees vary by currency route.

Is Wise right for you?

Good fit if you:

  • Send money overseas regularly and want fees shown before you confirm
  • Get paid in foreign currency and want local account details
  • Travel often and want a multi-currency debit card
  • Run a business with international invoices (Wise Business)

Consider Emerge, Dosh, or Revolut instead if you:

  • Need a NZ-first everyday account with local mate referrals and Phone Dollars — see compare money apps
  • Want only domestic NZ banking with a legacy bank relationship for home loans

Terms

  • Invite rewards for new eligible Wise / Wise Business customers per Wise invite programme terms in-app
  • NZ$350+ activity threshold for personal invite rules (card payments or cross-currency transfers) — confirm current wording in Wise
  • Not financial advice — compare fees on each transfer
  • Wise is not a NZ registered bank

Last updated: May 2026 · Invite: wise.com/invite/dic/ericllewellynh

Frequently asked questions

What is Wise?
Wise (formerly TransferWise) is an international money account for Kiwis to send, receive, hold, and spend in multiple currencies with transparent fees and mid-market exchange rates on wise.com/nz.

What do new Wise users get with this invite link?
Per Wise's invite programme: a free Wise debit card or a cross-currency transfer worth up to NZ$900 when you sign up via a referral link. Exact reward and eligibility are shown in the Wise app during sign-up.

Is there a Wise promo code?
Wise uses an invite link rather than a checkout promo code. Open https://wise.com/invite/dic/ericllewellynh or tap Get deal on this page so the referral is tracked.

What do I need to do to qualify for the Wise invite reward?
Wise states referred friends must sign up and make card payments or cross-currency transfers totalling over NZ$350 for the programme rules to apply. Confirm current steps in the Wise app.

Does Wise work in New Zealand?
Yes. Wise operates in New Zealand and is supervised by the Department of Internal Affairs per wise.com/nz. You can send money abroad, hold multiple currencies, and get a Wise card for spending.

Wise vs Revolut — which is better for NZ?
Both suit international money. Wise is known for transparent transfer pricing and receiving money with account details in many currencies. Revolut is strong for multi-currency spending and travel. See /compare-fintech-apps/.

What is Wise Business?
Wise Business is a separate account for companies and freelancers to pay and get paid in 40+ currencies. Business invite rewards have different rules — see wise.com/nz/business/ and in-app terms.

Wise coupon vs promo code vs discount code — what's the difference?
Search engines use those terms for the same Wise invite offer. Wise officially uses invite links; this page tracks the NZ referral programme for new personal and business sign-ups.

Is the Wise offer for new customers only?
Wise invite rewards are for new Wise or Wise Business accounts that meet the programme eligibility rules. Existing accounts typically cannot reuse a friend invite.

How long does a Wise transfer take to NZ?
Speed depends on currencies and payment method. Wise shows estimated arrival times before you confirm each transfer in the app.

Offer terms, eligibility, and availability can change. Confirm final details on wise.com/nz or in the Wise app before you sign up.