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   A gift for you and for them
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   Help friends and family do the same
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   ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌     
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                   Saving money on your next international money move? Stop gatekeeping and start sharing.
                  </p>
                  <p class="g c" style="Margin:0;mso-line-height-rule:exactly;font-family:Inter, Helvetica, Arial, sans-serif;line-height:24px;letter-spacing:0;color:#454745;font-size:16px">
                   <br/>
                  </p>
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                   Invite friends and family to Wise. They’ll get upfront fees,
                   <strong>
                    <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#163300;font-size:16px">
                     <u>
                      fair exchange rates
                     </u>
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                   </strong>
                   , and save
                   <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#163300;font-size:16px" target="_blank">
                    <strong>
                     75%*
                    </strong>
                   </a>
                   compared to traditional banks when they send money abroad.
                  </p>
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		<w:anchorlock></w:anchorlock>
		<center style='color:#163300; font-family:Inter, Helvetica, Arial, sans-serif; font-size:16px; font-weight:700; line-height:16px;  mso-text-raise:1px'>Invite your friends</center>
	</v:roundrect></a>
<![endif]-->
                  <!--[if !mso]><!-- -->
                  <span class="be msohide" style="border-style:solid;border-color:#2cb543;background:#9fe870;border-width:0px;display:block;border-radius:30px;width:auto;mso-hide:all">
                   <a class="j msohide" style="mso-style-priority:100 !important;text-decoration:none !important;mso-line-height-rule:exactly;color:#163300;font-size:16px;padding:15px 5px;display:block;background:#9fe870;border-radius:30px;font-family:Inter, Helvetica, Arial, sans-serif;font-weight:bold;font-style:normal;line-height:19.2px;width:auto;text-align:center;letter-spacing:0;mso-padding-alt:0;mso-border-alt:10px solid #9fe870;mso-hide:all" target="_blank" universal="true">
                    Invite your friends
                   </a>
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                 <td align="center" class="e bv" style="padding:0;Margin:0;padding-top:30px">
                  <p class="b c" style="Margin:0;mso-line-height-rule:exactly;font-family:inter, helvetica, arial, sans-serif;line-height:24px;letter-spacing:0;color:#6a6c6a;font-size:16px">
                   *The price provided is a global average based on a fixed basket of representative currencies
                   <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#6a6c6a;font-size:16px;font-family:inter, helvetica, arial, sans-serif" target="_blank">
                    as of Q2 2025
                   </a>
                   and may not reflect specific prices for consumers in their regions. Please see
                   <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#6a6c6a;font-size:16px;font-family:inter, helvetica, arial, sans-serif" target="_blank">
                    terms of use
                   </a>
                   and
                   <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#6a6c6a;font-size:16px">
                    product availability
                   </a>
                   for your region or visit
                   <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#6a6c6a;font-size:16px">
                    Wise fees and pricing
                   </a>
                   for the most up to date pricing and fee information.
                  </p>
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            </table>
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          </tr>
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       </tr>
      </table>
      <table align="center" cellpadding="0" cellspacing="0" class="u" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;width:100%;table-layout:fixed !important">
       <tr>
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         <table align="center" bgcolor="#ffffff" cellpadding="0" cellspacing="0" class="bm" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;background-color:#FFFFFF;width:600px">
          <tr>
           <td align="left" class="cc ca bu" data-custom-paddings-d-b="true" data-custom-paddings-d-l="true" data-custom-paddings-d-r="true" data-custom-paddings-d-t="true" data-custom-paddings-m-t="true" style="padding:0;Margin:0;padding-right:20px;padding-left:20px;padding-top:20px">
            <table cellpadding="0" cellspacing="0" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px" width="100%">
             <tr>
              <td align="center" style="padding:0;Margin:0;width:560px" valign="top">
               <table bgcolor="#ecefeb" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;border-radius:15px;border-collapse:separate;background-color:#ecefeb" width="100%">
                <tr>
                 <td align="center" class="bs bt" style="padding:25px;Margin:0;font-size:0px">
                  <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#163300;font-size:16px" target="_blank" universal="true">
                   <img alt="Three people smiling with green plus sign." class="adapt-img" height="133" src="https://inboxflows.com/_/image/https%253A%252F%252Fnvsrpq.stripocdn.email%252Fcontent%252Fguids%252FCABINET_9aa89440d5ce59f1bb3df9f6fc9a0cc76539379c4ff4057e679eaa34fe92ac18%252Fimages%252Fsouthern_hemisphere.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZudnNycHEuc3RyaSIsInRpbWUiOjE3NjU3OTg1MTEuODY5OTQxNX0:1vV6r9:k_X-1yYtOfFdRcANmdJB0OEGiEdJauK-zRoTKPlmBp4" style="display:block;font-size:16px;border:0;outline:none;text-decoration:none;margin:0" title="Three people smiling with green plus sign." width="510"/>
                  </a>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cc ca" style="padding:0;Margin:0;padding-right:40px;padding-left:40px">
                  <h2 class="bh" style="Margin:0;font-family:inter, helvetica, arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:24px;font-style:normal;font-weight:normal;line-height:28.8px;color:#0e0f0c">
                   <strong>
                    Everyone wins with Wise
                   </strong>
                  </h2>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cc ca i" style="Margin:0;padding-right:40px;padding-left:40px;padding-bottom:25px;padding-top:20px">
                  <p class="g c" style="Margin:0;mso-line-height-rule:exactly;font-family:Inter, Helvetica, Arial, sans-serif;line-height:24px;letter-spacing:0;color:#454745;font-size:16px">
                   When your friends sign up using your referral link, they’ll get an exclusive Wise perk —
                   <strong style="color:#163300">
                    a free Wise card
                   </strong>
                   or
                   <strong style="color:#163300">
                    no fees
                   </strong>
                   on their first transfer up to
                   <strong style="color:#163300">
                    500 GBP.
                   </strong>
                  </p>
                  <p class="g c" style="Margin:0;mso-line-height-rule:exactly;font-family:Inter, Helvetica, Arial, sans-serif;line-height:24px;letter-spacing:0;color:#454745;font-size:16px">
                   <strong style="color:#163300">
                    <br/>
                   </strong>
                  </p>
                  <p class="g c" style="Margin:0;mso-line-height-rule:exactly;font-family:Inter, Helvetica, Arial, sans-serif;line-height:24px;letter-spacing:0;color:#454745;font-size:16px">
                   ​Once
                   <strong style="color:#163300">
                    3
                   </strong>
                   of your friends have sent or spent
                   <strong style="color:#163300">
                    200 GBP
                   </strong>
                   internationally, you’ll earn
                   <strong style="color:#163300">
                    75 GBP
                   </strong>
                   .
                  </p>
                 </td>
                </tr>
                <tr>
                 <td align="center" class="bq br" style="padding:0;Margin:0;padding-right:60px;padding-left:60px">
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		<w:anchorlock></w:anchorlock>
		<center style='color:#163300; font-family:Inter, Helvetica, Arial, sans-serif; font-size:16px; font-weight:700; line-height:16px;  mso-text-raise:1px'>Invite your friends</center>
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<![endif]-->
                  <!--[if !mso]><!-- -->
                  <span class="be msohide" style="border-style:solid;border-color:#2cb543;background:#9fe870;border-width:0px;display:block;border-radius:30px;width:auto;mso-hide:all">
                   <a class="j msohide l" style="mso-style-priority:100 !important;text-decoration:none !important;mso-line-height-rule:exactly;color:#163300;font-size:16px;padding:15px 5px;display:block;background:#9fe870;border-radius:30px;font-family:Inter, Helvetica, Arial, sans-serif;font-weight:bold;font-style:normal;line-height:19.2px;width:auto;text-align:center;letter-spacing:0;mso-padding-alt:0;mso-border-alt:10px solid #9fe870;mso-hide:all" target="_blank" universal="true">
                    Invite your friends
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                  <!--<![endif]-->
                 </td>
                </tr>
                <tr>
                 <td align="center" class="d bp" style="Margin:0;padding-right:40px;padding-left:40px;padding-top:30px;padding-bottom:30px">
                  <p class="b c" style="Margin:0;mso-line-height-rule:exactly;font-family:inter, helvetica, arial, sans-serif;line-height:24px;letter-spacing:0;color:#6a6c6a;font-size:16px">
                   <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#6a6c6a;font-size:16px">
                    <u>
                     Wise Referral Program T&amp;Cs
                    </u>
                   </a>
                  </p>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
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      <table align="center" cellpadding="0" cellspacing="0" class="u" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;width:100%;table-layout:fixed !important">
       <tr>
        <td align="center" style="padding:0;Margin:0">
         <table align="center" bgcolor="#ffffff" cellpadding="0" cellspacing="0" class="bm" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;background-color:#FFFFFF;width:600px">
          <tr>
           <td class="bz" style="padding:0;Margin:0">
            <table align="center" cellpadding="0" cellspacing="0" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;width:600px">
             <tr>
              <td align="left" class="cc ca bu" data-custom-paddings-d-b="true" data-custom-paddings-d-l="true" data-custom-paddings-d-r="true" data-custom-paddings-d-t="true" data-custom-paddings-m-t="true" style="Margin:0;padding-right:20px;padding-left:20px;padding-top:20px;padding-bottom:30px">
               <table cellpadding="0" cellspacing="0" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px" width="100%">
                <tr>
                 <td align="center" style="padding:0;Margin:0;width:560px" valign="top">
                  <table bgcolor="#ecefeb" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-spacing:0px;border-collapse:separate;background-color:#ecefeb;border-radius:15px" width="100%">
                   <tr>
                    <td align="center" class="bs bt" style="padding:25px;Margin:0;font-size:0px">
                     <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#163300;font-size:16px" target="_blank">
                      <img alt="Smiling couple enjoying a meal with chopsticks." class="adapt-img" height="207" src="https://inboxflows.com/_/image/https%253A%252F%252Fnvsrpq.stripocdn.email%252Fcontent%252Fguids%252FCABINET_daf692a3afdc5e0b40a259b9cf62e5ff1cd1549608d5c62a328c8c14bab34a01%252Fimages%252F1d_1.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZudnNycHEuc3RyaSIsInRpbWUiOjE3NjU3OTg1MTEuODcwMDM4NX0:1vV6r9:6GTVzPISi5Mm9V6kW7J5Spop4nI0omuFJ0-pgofS0bQ" style="display:block;font-size:16px;border:0;outline:none;text-decoration:none;margin:0" title="Smiling couple enjoying a meal with chopsticks." width="510"/>
                     </a>
                    </td>
                   </tr>
                   <tr>
                    <td align="center" class="cc ca" style="padding:0;Margin:0;padding-right:40px;padding-left:40px">
                     <h2 class="bh" style="Margin:0;font-family:inter, helvetica, arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:24px;font-style:normal;font-weight:normal;line-height:28.8px;color:#0e0f0c">
                      <strong>
                       Get their money moving faster
                      </strong>
                     </h2>
                    </td>
                   </tr>
                   <tr>
                    <td align="center" class="cc ca h" style="Margin:0;padding-right:40px;padding-left:40px;padding-bottom:25px;padding-top:20px">
                     <p class="g c" style="Margin:0;mso-line-height-rule:exactly;font-family:Inter, Helvetica, Arial, sans-serif;line-height:24px;letter-spacing:0;color:#454745;font-size:16px">
                      Don’t let friends and family deal with slow transfers. With Wise, over
                      <strong>
                       <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#163300;font-size:16px">
                        <u>
                         74%**
                        </u>
                       </a>
                      </strong>
                      of transfers arrive in under 20 seconds. So their money gets where it needs to go, when they need it most.
                     </p>
                    </td>
                   </tr>
                   <tr>
                    <td align="center" class="bq br" style="padding:0;Margin:0;padding-right:60px;padding-left:60px">
                     <!--[if mso]><a href="https://ablink.info.wise.com/ls/click?upn=u001.JwhTX56o1twZ4Z4wwlm-2F9VHWYhlfqpAWawz8nmY4pUG1fCrSKuBh-2Blu44om6CGs-2BUuVanaQAwmKOPLSoyyFz3rEea6XG1UGmdlMCBdOHP-2Ffbk2u-2BJ6sjDrR5XXmMp3IB4yi-2BlPC4xq3Lxtwskxf-2BVRN6dkpRnGhiFiZbBwy7RmirjGCs6oL6tP92W1wKbjgp87JLpiFnt0kBwKfiqs4qF8sMDKhNLq4b81Qam5e5-2BBdrR6wzUvoWtQH55GzwA6fIjW7QsZIk6UIlDdgPT8I5bvz3yThX-2BwaM57MiwygWMOfKbcFUx8Pbbz-2BJO9hvYU3kMH0pgJv3npr6r5A4tdsuPvPQeODIDaBENPfC-2BK4GFRs-3Dykau_Xkgjvfyip0jA8U6UDBzpk1WoqeaBAJw2VxTBJB9P-2FiDicKnH1T3LBEGsC60aN-2FZvRCzEfsz7TFUZnf4HnlMGgmS-2BV6zQ-2FfSTiHNrXIJ3tBaE5aXyZ1s-2BS9ha-2BPo4wg35ASp4UzGohxP6Z735ROB-2FbpcpGuHCrpF9w7Mh9pQ9Havq-2FfDnp2VgZLDD0-2BPwyeB8DxZpLAvp9pM3p0uEwaq6hGh67aNugIEEf5aB0oRvGKZ6irzg-2F7AiUJS1TlnBAzK9MpQ7N83MZMvemHQdKpBM0HmUHiQc1hAQSZh7BTWtWeHMwPk47IvV-2F1V14Caelk1P8-2Bd0iZL39RbnDN3ry-2FkZdMnPYNUETftiNnT1Qf1vk8bjRpNeaexn7m6glRVAdv8TNIqGPsSutcu7Om-2FBEZGeNKpMN-2FNP4oo51t-2BFYSaABGTxC00nc8doUCVUGJfRVNCTXk8o5vY4fpVFno6ZSWrlunOVKXyd3rkRX-2FSjumEeWTvQ-2BuZnlvitJGJSlCIpoUNwfVI2hvyRJvv5drNHd8wwaOipuOUm9BLf0uTzUUffreVi42YdS2s5fpOARWznwog2YvCDxq7A2HOzewiEosGfWFes-2BzXdbb8BBfAhvymYntclTmJuqZGc5l3FFQn5ejgc-2Bd2M5XAVEykctcfspw40aiL4EPF-2FSM1fthuazNcqyJryO-2BJWxTPKsQVFg9WSWlfZc0rHp5RNi-2FRQb3pIMs7IJj9DQrp62gsHulmqUHsy-2FoPWgutaoxMLonc6-2Flwwq3Bp" target="_blank" hidden>
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		<center style='color:#163300; font-family:Inter, Helvetica, Arial, sans-serif; font-size:16px; font-weight:700; line-height:16px;  mso-text-raise:1px'>Learn more</center>
	</v:roundrect></a>
<![endif]-->
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