It's super easy! Just share your referral code with your friends and ask them to enter it when signing up for Utoppia. Once their account is approved and they complete one of the challenges, you both receive $10 USD in your account! 🎁💸

No, participating in the Referral Program is completely free.

✅ Share your referral code you see in the app.
✅ Ask them to enter it during their registration on Utoppia.
✅ Once their account is approved, they must accumulate a minimum total amount of USD 100 (one hundred US Dollars) in deposits or incoming transactions (accredited funds, top-ups, received funds) within 30 calendar days from the moment the account is opened (after account opening, from account approval date).

Once the challenge is completed, you will both receive your reward within 30 days! 🎉

Valid transactions include:
✅ Domestic ACH transfers
✅ Domestic wire transfers
✅ International wire transfers

‍Not considered valid:
❌ Money received from another Utoppia account
❌ Card withdrawals
❌ Interest payments from investment accounts

Once your friend completes one of the challenges, you will both receive $10 USD within 30 days in your Utoppia accounts.

As many as you want! There is no referral limit. However, the promotion will be available until 10,000 rewards have been granted, but you will only receive rewards for up to 20 successful referrals.

No. If your friend makes a purchase with the Utoppia prepaid card but cancels it, that transaction will not count toward completing the challenge.

No, the $10 USD rewards will be credited directly to your Utoppia account.

Your referral code is available within the Utoppia app. Simply go to the Referrals section and share the code you see with your friends.

We will notify you in the app when your friend has completed a challenge and your reward is on its way.