Refer a friend

Get friends to try us
and score $10 each!

Offer ends 30 June 2021.
Terms and conditions apply.

Refer a friend

Grab your codeYou'll find your invite code
under 'Settings' in the app

Share the loveInvite your friends and family
to sign up using your code

Get rewarded!You'll each get $10 after your friend
makes a purchase in their first 30 days

New customers

Received an invite code?

Lucky you! Sign up in under 2 minutes and you'll be closer to that $10 bonus in no time.


Where do I enter the code?

Once you've downloaded our app, make sure you enter the referral code you received on the 'About you' screen during the sign up process.

I've signed up - what next?

Put some money into your account by making a transfer from any other Australian bank account. You'll find your BSB and account number in our app.

Then, go treat yo'self (i.e. make a purchase) using Apple Pay, Google PayTM, Samsung Pay, Fitbit Pay, Garmin Pay or your 86 400 Visa Debit card within 30 days of signing up.

  • Samsung Pay
  • Fitbit Pay
  • Garmin Pay
  • Visa Debit

That's it! You'll receive your $10 bonus in your Pay account within a couple of days.

Existing customers

Frequently asked questions

Where do I find my invite code to share?

Make sure you've updated to the latest app version, then head over to ‘Settings’ in the app to share your invite code with your friends and family.

How many friends can I invite?

You can share your invite code with as many friends as you like.

Until 30 June 2021, you’ll receive a $10 bonus for each friend that signs up using your code and makes a card purchase.

When will I get the referral bonus?

Once your friend has signed up using your invite code and made a card purchase, please allow a couple of days for the bonus to appear in your Pay account.

I haven't received the bonus yet

If it's been more than a couple of days, here's a few things to check before getting in touch with us:

  • ● your friend entered your unique code while signing up to 86 400
  • ● your friend made an eligible purchase within 30 days of signing up
  • ● the card payment isn't showing as "pending" in your friend's transaction history
  • ● your friend hasn't been an 86 400 customer in the past 12 months

Terms and conditions

The Refer a Friend offer will run from 1 April 2020 to 30 June 2021 and is available to all 86 400 customers.

The Refer a Friend offer cannot be used in conjunction with any other offer (unless we determine otherwise).

“Friends” who were previously 86 400 customers and closed their accounts within the past 12 months are not eligible for this offer.

A purchase must be made by the “friend” in their first 30 days as an 86 400 customer to be eligible for the bonus payment.

Only settled card purchases are eligible to meet the bonus criteria. This means we must wait until the card payment has been settled (no longer showing as "pending" in the friend’s transaction history) before the referrer or the friend become eligible for the bonus payment.

The card purchase and transaction settlement must occur within 30 days of the friend opening an account.

Eligible customers and “friends” will each receive a payment of $10 each into their Pay account within a few days of fulfilling the bonus criteria.

During the month of March 2021, successfully refer at least 5 friends to 86 400 and we'll send you a bonus limited-edition 86 400 merch pack!

To qualify for this bonus offer, you'll need to have at least 5 friends join 86 400 between 1 March 2021 and 31 March 2021 using your referral code and each friend make a card purchase using their 86 400 Visa Debit card or digital wallet within 30 days of joining.

If you qualify during the offer period, we'll contact you within 7 days using the email address you have registered with us to arrange postage of 1x limited-edition 86 400 merch pack (valued at approximately $50). Please allow 3-4 weeks for delivery. Australian delivery addresses only. Offer available while stocks last.

There are always a few people who will try to game the system, so here are some fair play conditions.

We retain the absolute right to refuse to pay or cancel a “refer a friend bonus” payment without notice to you. The reasons for us to refuse or cancel a payment may include, but are not limited to, if:

  • ● we believe that your access to the 86 400 app is or may be fraudulent
  • ● we believe that you have threatened the security of 86 400
  • ● we believe you have breached any of our General Terms
  • ● we believe you are acting in bad faith
  • ● we have locked or closed your account
  • ● your account contains unpaid charges or is overdrawn

We also retain the absolute right to stop the offer at any time and to change the conditions or incentive of the offer.

Last modified 31 March 2021