Refer a friend.
You both get $25.

Bright offers a few ways to make this transaction. Some options may not be available to you.

Make a payment to your credit card

• Go to the Accounts tab and select a credit card.
• Tap “Pay” on your card, or wait for Bright to make the payment automatically.

Add funds to a Savings Goal

• Go to the Assets tab and select a Savings Goal.
• Tap “Add Funds” to deposit money into your savings pocket.

Activate Bright Builder

• Go to the Credit Score tab.
• Tap “Bright Builder” and complete enrollment.
• Start your deposit to activate your Bright Builder account.

Bright deposits your rewards into your Bright Stash. From there, you can withdraw them to your checking account, or use them to pay your credit cards or add to your Savings Pockets.

Tap Stash on the app's Home screen to see your referral transactions.

A qualifying transaction is a real action, such as a credit card payment via the Accounts tab, a deposit into a Savings Pocket via Assets, a Credit Builder deposit, or a completed Balance Transfer. Simply moving money between your own Bright accounts does not count.

Bright is committed to complying with applicable anti-money-laundering (AML) laws and regulations. To meet these compliance requirements and protect against fraud and misuse of our rewards program, rewards may only be withdrawn to the checking account that was used to pay your Bright membership fee.

For security and regulatory reasons, we cannot process reward withdrawals to a different bank account or payment method.

If you need assistance or believe there is an error, please contact Bright Support via in-app chat or email us at support@brightmoney.co.

You can earn a maximum of 5 referral rewards per month. (This may change depending on the program.) You're credited in the month your friend meets their eligibility requirements. If more than 5 friends qualify in a single month, the extra rewards don't carry over to the next month.

Example: If you refer 6 friends this month and only 3 meet the eligibility criteria, you'll get 3 rewards. If all 6 meet the criteria, you'll get the maximum of 5 rewards, and the 6th reward won't carry over to the next month.

• Confirm you're eligible: you've finished your trial period and are on a paid membership.
• Confirm you've completed a $10 transaction in the Bright app.

See our Terms and Conditions.

The Referral section shows exactly where each friend is in their referral journey. Once they sign up with your link, you can track their progress as they meet each eligibility requirement. It usually takes 1 to 2 weeks for a friend to complete the requirements, so nudge them if they're taking their time.

Here's what each status means:

• Sign Up Pending: Your friend still needs to finish signing up.
• Membership Pending: Your friend needs to be on a paid membership after their trial period ends (typically 10 days). They'll need to link a valid checking account so Bright can collect the membership fee.
• Transaction Pending: Your friend needs to complete a $10+ transaction, such as a credit card payment or a deposit to their savings account.
• Reward Processing: Your reward is being processed.
• Account Deleted: If your friend deletes the app before meeting the eligibility criteria, you won't be rewarded for that referral.
• Referral Complete: Your friend has met all the referral eligibility criteria. Your reward status will appear below this.
• Rewards Paused: We may pause reward distribution during updates, changes, or suspicious activity. This is temporary. We'll resume as soon as the issue is resolved.
• Referral Terminated: Bright will terminate a referral if we detect suspicious or fraudulent activity. Reach out with questions via chat or email at support@brightmoney.co.

Once a referral is complete, you'll see one of the following reward statuses:

• You Got $25: Your reward is in your Bright Stash. It usually takes 3 to 4 business days to appear.
• Reward Maximum Reached: You've reached your maximum monthly referrals. Try again next month.
• Pending Eligibility: You still need to meet the eligibility criteria. Once you do, you'll earn rewards up to your monthly limit.
• Reward Eligibility: Shows whether you've met the reward eligibility conditions. Your membership or required transaction may still be pending.