How to Earn Big with the ACE Invite a Friend Program: Instant Rewards, Wallet Credits & Monthly Prizes

If you’re searching for the easiest way to earn rewards online, save on international transfers, and unlock exclusive savings, the ACE Invite a Friend Program is one of the most rewarding options available for expats and frequent money senders. Updated as of 20 November 2025, ACE’s referral system now offers dual-side rewards, bigger country-wise bonuses, instant ACE Wallet credits, and high-value monthly prizes. Including an iPhone 15, Apple Watch Series 10, and AirPods Pro.

Whether you're sending money to Pakistan, India, Bangladesh, Africa, Nepal, or the Philippines, ACE allows you to earn simply by inviting friends and family, making this one of the most competitive invite-and-earn programs in the global remittance industry.

For the legal version of these rules, you can also review the official terms here:   
ACE Wallet Terms & Conditions

Let’s dive into how you can earn, save, and win more with ACE.

Why the ACE Invite & Earn Program Is a Game-Changer for Expats

ACE Money Transfer has built one of the strongest referral ecosystems for users across the UK, EU, Australia, Canada, Nordics, and other sending corridors. With fast, secure, and low-cost money transfers, the platform now rewards you for spreading the word.

Here’s why customers love it:

• Instant wallet rewards after a successful referral
• Both you and your friend earn (dual-side rewards)
• Bigger payouts in countries like UK, EU, Canada, Australia, and Nordics
• ACE Wallet credits usable for up to 50% of any transaction
• Monthly referral competition with premium prizes
• Supports transfers from 29 sending countries to 75+ receiving countries
• One of the highest-earning money transfer referral programs in the market

If you want to earn by inviting friends, this program gives you a simple, transparent, and high-value way to maximise your savings.

How the ACE Invite & Earn Program Works

Here’s a quick breakdown of how you earn rewards:

1. Share your referral link

You’ll find it inside the ACE Money Transfer app → Invite a Friend.

2. Your friend registers using your link

This ensures proper tracking and reward activation.

3. They complete the minimum transaction amount

The value depends on their sending corridor.

4. The transaction passes compliance checks

ACE runs KYC, AML, and fraud verification.

5. You both earn Instantly

Your ACE Wallet is credited as soon as the transaction is approved.

To read the full terms, check: ACE Wallet Terms & Conditions

Global Dual-Side Referral Rewards (Except Nigeria)

ACE rewards both the referrer and the friend, making it one of the best invite-and-earn programs globally.

This is among the most competitive referral reward structures in fintech.

Nigeria – Special Single-Side Referral Policy

Nigeria maintains its original referral structure:

• 3 paid referrals required
• Each referral must send £200 or equivalent
• £5 reward credited to referrer only
• Receiver gets no reward
• Terms effective from 7 July 2025 remain applicable

Ideal for users interested in earning while sending money to Nigeria.

Country-Wise Enhanced Referrer Rewards (High-Earning Corridors)

Depending on your sending country, you earn even more:

These numbers make ACE one of the highest-earning fintech referral programs worldwide.

ACE Wallet: How Your Earned Credits Work

Your ACE Wallet is your savings hub inside the ACE app. Rewards are instantly credited here.

You CAN:

• Use credits for up to 50% of any money transfer
• Apply credits instantly during checkout
• Reduce your overall sending costs

You CANNOT:

• Withdraw credits as cash
• Transfer credits to another user
• Request refunds of credits
• Cover 100% of the transfer fee using credits

ACE applies strict compliance rules. Credits may be reversed if:

• A transaction is refunded
• A referral fails verification
• Activity is flagged as suspicious

Compliance & Fair Use Policy

To keep the referral system fair and transparent, ACE may suspend or reverse rewards for:

• Referring existing ACE customers
• Creating duplicate or fake accounts
• Referring from the same household
• Attempting fraud or system abuse
• Violations of AML/KYC rules

ACE reserves the right to verify users at any time.

Monthly Invite & Earn Competition (Win Premium Prizes!)

Want to earn even more?

ACE runs a monthly competition for the top referrers.

Prizes

• 1st Place: iPhone 15 (128GB)
• 2nd Place: Apple Watch Series 10
• 3rd Place: AirPods Pro

If a specific model is unavailable, ACE will send an equal or superior model.

How to Qualify

• Minimum 12 successful referrals
• More invites → higher ranking
• More transactions from referred friends → even higher

Competition Cycle

• Renewed every month
• Leaderboard resets monthly
• Past winners can win again
• Live stats available in the ACE app

Need Support or Have a Referral Dispute?

Email ACE Support at: help@acemoneytransfer.com

Response time: within 7 working days   
(Some complex cases may take longer.)

Final Thoughts: Why You Should Start Inviting Today

The ACE Invite & Earn Program is one of the most rewarding referral programs available for expats sending money across borders. With instant earnings, country-specific bonuses, wallet savings, and monthly competitions, ACE gives you multiple ways to earn while staying connected with loved ones worldwide.

Whether you want to:

• Earn rewards online
• Reduce transfer costs
• Win premium tech prizes
• Use wallet credits strategically
• Help friends save on transfers

ACE Money Transfer gives you a simple way to earn with every invite.

Start inviting today and start earning instantly.

FAQs

How do I get my ACE referral link?

Open the ACE app → Click on Invite a Friend → Copy your link.

Can I invite unlimited friends?

Yes! This is an unlimited invite-and-earn program.

When will I receive my referral reward?

Instantly, once the friend’s transaction passes compliance.

Can I use ACE Wallet credits for the full transfer amount?

No. You can use them for up to 50% only.

Does Nigeria follow the same reward structure?

No. Nigeria follows a separate single-side reward policy.