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Frequently asked questions
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The Pesa Payday Special
This is the Pesa Payday offer with a twist. Send money internationally with Pesa from 3 July to 5 July 2026, and enjoy a boosted rate. Every qualifying transfer you make this weekend will also be automatically entered into our Double Your Send raffle for a chance to win double the amount you send.
What’s the exchange rate like?
Pesa offers live mid-market rates — no hidden markups. You’ll see exactly how much you’re getting before you hit send or convert. You get to see live rate updates within the app. These rates are updated every 30 seconds, but you have the ability to lock down a guaranteed rate for 5minutes.
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Pesa Referral Program
Pesa Referral Program Terms & Conditions (GBP)
Invite your friends to Pesa and earn rewards when they complete their first qualifying international transfer.
How it Works
- Share your unique referral code with your friend.
- Your friend must sign up using your referral code.
- They have 90 days from the date they sign up to complete one qualifying international transfer of £50 or more.
- Once the qualifying transfer is completed, both you and your friend will receive £10.
Qualifying Transfers
To qualify for the referral reward, the transfer must:
- Be a single international transfer of £50 or more.
- Be sent from the invitee's primary Pesa wallet.
- Be sent to an eligible country in Africa or India.
- Be the invitee's first qualifying international transfer.
The following transactions do not qualify:
- Wallet-to-wallet transfers.
- Transfers sent to the referrer's Pesa wallet.
- User-to-user transfers as the invitee's first transaction.
- Currency conversions.
- Transfers to a recipient with the same name as the sender are not eligible.
- Transfers to destinations outside the eligible countries.
Reward Eligibility
- Referral rewards are paid once per successful referral.
- Rewards are issued only after the invitee completes a qualifying transfer that meets all eligibility requirements.
- Multiple qualifying transfers sent to the same recipient account may be reviewed before rewards are issued.
- Transfers sent to legitimate shared recipient accounts (such as schools, churches, or other organisations) may require additional verification before rewards are processed.
Eligible Regions
The Pesa Referral Program is available only to customers registered in supported GBP, CAD, NGN, USD, and AED regions. Customers registered in unsupported regions are not eligible for referral rewards.
General
- Pesa reserves the right to verify eligibility before issuing referral rewards.
- Pesa may withhold, decline, or reverse rewards where fraudulent, abusive, or suspicious activity is detected.
- Pesa reserves the right to amend, suspend, or withdraw the Referral Program or these Terms & Conditions at any time without prior notice.
Pesa Referral Program Terms & Conditions (NGN)
Invite your friends to Pesa and earn rewards when they complete their first qualifying international transfer.
How it Works
- Share your unique referral code with your friend.
- Your friend must sign up using your referral code.
- They have 90 days from the date they sign up to complete one qualifying international transfer of ₦500,000 or more.
- Once the qualifying transfer is completed, both you and your friend will receive ₦5000
Qualifying Transfers
To qualify for the referral reward, the transfer must:
- Be a single international transfer of ₦500,000 or more
- Be sent from the invitee's primary Pesa wallet.
- Be sent to an eligible country in Africa or India.
- Be the invitee's first qualifying international transfer.
The following transactions do not qualify:
- Wallet-to-wallet transfers.
- Transfers sent to the referrer's Pesa wallet.
- User-to-user transfers as the invitee's first transaction.
- Currency conversions.
- Transfers to a recipient with the same name as the sender are not eligible.
- Transfers to destinations outside the eligible countries.
Reward Eligibility
- Referral rewards are paid once per successful referral.
- Rewards are issued only after the invitee completes a qualifying transfer that meets all eligibility requirements.
- Multiple qualifying transfers sent to the same recipient account may be reviewed before rewards are issued.
- Transfers sent to legitimate shared recipient accounts (such as schools, churches, or other organisations) may require additional verification before rewards are processed.
Eligible Regions
The Pesa Referral Program is available only to customers registered in supported GBP, CAD, NGN, USD, and AED regions. Customers registered in unsupported regions are not eligible for referral rewards.
General
- Pesa reserves the right to verify eligibility before issuing referral rewards.
- Pesa may withhold, decline, or reverse rewards where fraudulent, abusive, or suspicious activity is detected.
- Pesa reserves the right to amend, suspend, or withdraw the Referral Program or these Terms & Conditions at any time without prior notice.
Pesa Referral Program Terms & Conditions (USD)
Invite your friends to Pesa and earn rewards when they complete their first qualifying international transfer.
How it Works
- Share your unique referral code with your friend.
- Your friend must sign up using your referral code.
- They have 90 days from the date they sign up to complete one qualifying international transfer of $100 or more.
- Once the qualifying transfer is completed, both you and your friend will receive $20.
Qualifying Transfers
To qualify for the referral reward, the transfer must:
- Be a single international transfer of $100 or more.
- Be sent from the invitee's primary Pesa wallet.
- Be sent to an eligible country in Africa or India.
- Be the invitee's first qualifying international transfer.
The following transactions do not qualify:
- Wallet-to-wallet transfers.
- Transfers sent to the referrer's Pesa wallet.
- User-to-user transfers as the invitee's first transaction.
- Currency conversions.
- Transfers to a recipient with the same name as the sender are not eligible.
- Transfers to destinations outside the eligible countries.
Reward Eligibility
- Referral rewards are paid once per successful referral.
- Rewards are issued only after the invitee completes a qualifying transfer that meets all eligibility requirements.
- Multiple qualifying transfers sent to the same recipient account may be reviewed before rewards are issued.
- Transfers sent to legitimate shared recipient accounts (such as schools, churches, or other organisations) may require additional verification before rewards are processed.
Eligible Regions
The Pesa Referral Program is available only to customers registered in supported GBP, CAD, NGN, USD, and AED regions. Customers registered in unsupported regions are not eligible for referral rewards.
General
- Pesa reserves the right to verify eligibility before issuing referral rewards.
- Pesa may withhold, decline, or reverse rewards where fraudulent, abusive, or suspicious activity is detected.
- Pesa reserves the right to amend, suspend, or withdraw the Referral Program or these Terms & Conditions at any time without prior notice.
Pesa Referral Program Terms & Conditions (CAD)
Invite your friends to Pesa and earn rewards when they complete their first qualifying international transfer.
How it Works
- Share your unique referral code with your friend.
- Your friend must sign up using your referral code.
- They have 90 days from the date they sign up to complete one qualifying international transfer of $100 CAD or more.
- Once the qualifying transfer is completed, both you and your friend will receive $20 CAD.
Qualifying Transfers
To qualify for the referral reward, the transfer must:
- Be a single international transfer of $100 CAD or more.
- Be sent from the invitee's primary Pesa wallet.
- Be sent to an eligible country in Africa or India.
- Be the invitee's first qualifying international transfer.
The following transactions do not qualify:
- Wallet-to-wallet transfers.
- Transfers sent to the referrer's Pesa wallet.
- User-to-user transfers as the invitee's first transaction.
- Currency conversions.
- Transfers to a recipient with the same name as the sender are not eligible.
- Transfers to destinations outside the eligible countries.
Reward Eligibility
- Referral rewards are paid once per successful referral.
- Rewards are issued only after the invitee completes a qualifying transfer that meets all eligibility requirements.
- Multiple qualifying transfers sent to the same recipient account may be reviewed before rewards are issued.
- Transfers sent to legitimate shared recipient accounts (such as schools, churches, or other organisations) may require additional verification before rewards are processed.
Eligible Regions
The Pesa Referral Program is available only to customers registered in supported GBP, CAD, NGN, USD, and AED regions. Customers registered in unsupported regions are not eligible for referral rewards.
General
- Pesa reserves the right to verify eligibility before issuing referral rewards.
- Pesa may withhold, decline, or reverse rewards where fraudulent, abusive, or suspicious activity is detected.
- Pesa reserves the right to amend, suspend, or withdraw the Referral Program or these Terms & Conditions at any time without prior notice.
Pesa Referral Program Terms & Conditions (AED)
Invite your friends to Pesa and earn rewards when they complete their first qualifying international transfer.
How it Works
- Share your unique referral code with your friend.
- Your friend must sign up using your referral code.
- They have 90 days from the date they sign up to complete one qualifying international transfer of 250 AED or more.
- Once the qualifying transfer is completed, both you and your friend will receive 50 AED.
Qualifying Transfers
To qualify for the referral reward, the transfer must:
- Be a single international transfer of 250 AED or more.
- Be sent from the invitee's primary Pesa wallet.
- Be sent to an eligible country in Africa or India.
- Be the invitee's first qualifying international transfer.
The following transactions do not qualify:
- Wallet-to-wallet transfers.
- Transfers sent to the referrer's Pesa wallet.
- User-to-user transfers as the invitee's first transaction.
- Currency conversions.
- Transfers to a recipient with the same name as the sender are not eligible.
- Transfers to destinations outside the eligible countries.
Reward Eligibility
- Referral rewards are paid once per successful referral.
- Rewards are issued only after the invitee completes a qualifying transfer that meets all eligibility requirements.
- Multiple qualifying transfers sent to the same recipient account may be reviewed before rewards are issued.
- Transfers sent to legitimate shared recipient accounts (such as schools, churches, or other organisations) may require additional verification before rewards are processed.
Eligible Regions
The Pesa Referral Program is available only to customers registered in supported GBP, CAD, NGN, USD, and AED regions. Customers registered in unsupported regions are not eligible for referral rewards.
General
- Pesa reserves the right to verify eligibility before issuing referral rewards.
- Pesa may withhold, decline, or reverse rewards where fraudulent, abusive, or suspicious activity is detected.
- Pesa reserves the right to amend, suspend, or withdraw the Referral Program or these Terms & Conditions at any time without prior notice.
Pesa Referral Program is currently unavailable to users in Europe.
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