Sendwave referral code: €10-20 first-transfer bonus

Sendwave covers more than 30 countries in Africa, Asia and Latin America — the main remittance destinations:

• Africa: Senegal, Ivory Coast, Mali, Ghana, Kenya, Uganda, Tanzania, Rwanda, Cameroon, Nigeria
• Asia: Bangladesh, Philippines, Indonesia
• Latin America: Mexico, El Salvador, Guatemala

The money arrives directly in the beneficiary's mobile money account (Wave, Orange Money, MTN Mobile Money) or their bank account depending on the country. In most covered countries, the transfer is instant or near-instant.

The Sendwave referral bonus (€10 to €20 depending on the current code) increases the amount your beneficiary receives:

• If you send €100, your beneficiary receives the equivalent of €110 to €120 at the day's exchange rate
• The bonus is converted into the destination country's local currency
• It's valid for 12 months from the credit date
• One use per Sendwave account

The Sendwave bonus is especially effective on transfers to countries with a strong euro/local-currency ratio — where €10-20 extra represents a significant sum for the beneficiary.

What makes Sendwave unique:

Sendwave offers €0 fees but an exchange rate slightly below the interbank rate (like Wise). The advantage is total simplicity and speed to covered destinations.

Sendwave transfer times vary by destination country and reception method:

• Mobile Money (Wave, Orange Money, MTN): instant transfer in most cases
• Bank account: 1 to 2 working days depending on the receiving bank
• Cash pickup: some countries allow cash withdrawal via a network of partner agents

The beneficiary receives an instant notification on their phone as soon as the funds arrive. No Sendwave account is needed on the beneficiary's side — only the sender needs the app.

Sendwave rewards active referrals:

1. You refer: share your Sendwave referral code with a relative

2. They sign up with your code and make their first transfer

3. You receive an extra bonus credited to your next transfer

Active codes offer between €10 and €20 depending on current campaigns. Some temporary codes offer up to €26 on the first transfer. For other ways to stay in touch with relatives abroad, Rebtel offers very low-cost international calls to the same destinations.

Comparison of the main international money-transfer solutions:

Sendwave: ideal for fast transfers to sub-Saharan Africa and some Asian countries. Zero fees, very simple interface, instant to Mobile Money.

Wise: best exchange rate (interbank), low fees (~0.5-2%), covers 80+ countries. Ideal for high amounts where every fraction of a % of rate counts.

Western Union: worldwide coverage (200+ countries), physical presence in 200 countries, but higher fees and a less favourable exchange rate.

Remitly: a direct competitor of Sendwave on the same destinations, with frequent promotions on the first send.

Sendwave stands out for the combination of speed + zero fees + simplicity to its covered destinations.

Sendwave is especially optimised for transfers to sub-Saharan Africa, where Mobile Money is the dominant payment method. The beneficiary receives funds directly in their mobile wallet:

• Wave in Senegal and Ivory Coast
• Orange Money in several francophone African countries
• MTN Mobile Money in Ghana, Kenya, Uganda
• M-Pesa in Kenya and Tanzania

These mobile wallets let the beneficiary pay for purchases, withdraw cash or transfer to others — without a traditional bank account. Mobile Money penetration in Africa exceeds 50% of the adult population in countries covered by Sendwave.

Sendwave is a fee-free international money transfer app owned by the WorldRemit group. It's especially popular with African and Asian communities for sending money to family.

Strengths: €0 transfer fees, instant transfer to Mobile Money, ultra-simple interface, €10-20 referral bonus, coverage of 30+ countries in Africa and Asia.

Watch-outs: exchange rate slightly below the interbank rate (this is how Sendwave makes money), limited geographic coverage (30+ countries vs 200+ for Western Union), referral code to enter BEFORE the first transfer.

Before activating your Sendwave referral code:

• Code before the first transfer: absolutely mandatory. Once the first transfer is made without a code, the bonus is permanently lost.
• Identity verification: Sendwave requires ID to validate your account (anti-money-laundering compliance).
• Transfer limits: monthly limits apply based on your verification level.
• Availability: Sendwave is only available from certain sender countries — check your country is supported in the app at sign-up.
• Bonus valid 12 months: credit obtained via referral must be used within 12 months.

To make the most of the Sendwave offer:

1. Enter the code BEFORE any transfer: this is the absolute rule. Create your account, enter the code, then only make your first transfer.

2. Choose a generous code: referral codes offer between €10 and €26 depending on the period. Compare available codes on referral sites before signing up.

3. Verify your account in advance: prepare your ID before initiating your first transfer to avoid being blocked by KYC verification.

4. Refer your relatives: each new member you refer earns you an extra bonus on your next transfer.

5. Compare with Wise for large amounts: on transfers of €500+, the exchange-rate difference can offset Wise's fees. For low-cost calls to the same destinations, also see Rebtel.