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Find out how referrals work

A summary of our current paid referral program

Updated: Feb 5, 2026

Terms and conditions (if you're inviting people)

To earn a reward for inviting people to Morse, you need to be a user with access to paid referrals. To check if you're eligible, tap 'Invite' on the home page of your app.

We may offer paid referrals to different groups of users at different times. For example, we may offer them to users who:

  • have recently signed up

  • have had a Morse account for a certain amount of time

  • live in certain countries

  • have done certain types of transactions recently

Or a combination of the above.

How it works

  1. Share your invite link with someone who hasn't used Morse before.

  2. They open the link, enter their phone number, and complete sign up to Morse (using the same phone number) within 14 days of entering their number.

  3. To qualify, they need to complete one of the following within 14 days of signing up:

    1. In countries where Morse Card is available: Activate a Morse Card and make 1 qualifying transaction of at least 5 USD each (or the equivalent amount in any currency). Check which countries have Morse Cards available.

      1. Certain transactions like money transfers, gift cards or gambling do not count towards the reward.

    2. In all other countries: Add a single deposit of at least 100 USD (or the equivalent amount in any currency) into their Morse Wallet.

  4. We’ll add your referral reward directly in your Morse Wallet. The amount depends on your country, and is randomly allocated based on these chances.

You can receive up to three referral rewards total across our previous referral program and this program. After that, you can still invite people, but you won’t receive a reward.

If the person you invite doesn't join Morse and complete the required action (either the $100 deposit or 3 card transactions of at least $5 each) within 14 days, you won't get a reward.

Morse reserves the right to modify, withhold or cancel referral rewards, or to suspend or end this promotion at any time, including if we suspect fraud, abuse, or other activity that violates these terms or our policies.

Terms and conditions (if you've been invited)

How it works

  1. You’ll get an invite link to join Morse.

  2. Accept the referral by entering your mobile phone number.

  3. Download the app and sign up for Morse.

  4. Complete one of the following within 14 days of signing up:

    1. In countries where Morse Card is available: Activate a Morse Card and make 1+ transactions of at least 5 USD each (or the equivalent amount in any currency). Check which countries have Morse Cards available.
      ​      Certain transactions like money transfers, gift cards or gambling do not count towards the reward.

    2. In all other countries: Make a single deposit of at least 100 USD (or the equivalent amount in any currency).

We’ll share some information about your progress with the person who invited you. This could include that you’ve:

  • Accepted their referral by entering your mobile number

  • Started the signup process

  • Completed the signup process

  • Deposited money into your Morse Wallet

We won't share any other information.

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