Bright Money Referral Program Terms & Conditions

Last Updated: September 22, 2026

1. About the Referral Program

The Bright Money Referral Program lets eligible Bright members invite new members to Bright using a personal referral link or code. If the person you invite joins Bright and the conditions in these Terms are met, both of you may receive a cash reward credited to your in-app Rewards Account.

You can send invitations at any time. Sending an invitation does not create any entitlement to a reward. A reward is earned only when every condition in these Terms has been met and verified by Bright.

By sending an invitation, accepting an invitation, completing registration through a Referrer’s link or code, or otherwise participating in the Program, you acknowledge that you have read, understood, and agreed to the Terms.

2. Key Definitions

• Referrer – An active Bright member who invites new users to Bright using their unique referral link or code.
• Referred Member (Referee) – A new user (a person who has never previously held a Bright account) who signs up for Bright using a Referrer’s link or code and completes registration.
• Qualifying Transaction – A transaction of at least US$10 completed through a Bright Money product, such as a credit card payment, a savings deposit, or an investment. The transaction must settle and must not be reversed, returned, or charged back.
• Active Membership – A paid Bright Money membership plan in a verified “bill paid” state.
• Rewards Account – The in-app ledger account where your referral rewards are credited before you withdraw them.
• Reward – The US dollar amount credited to your Rewards Account when a referral qualifies under these Terms.

3. Who Is Eligible

3.1 Referrers

To be eligible for a Referrer reward, you must:

• Be at least 18 years old, or the age of majority in your state of residence, whichever is higher;
• Hold an Active Membership at the time the reward is assessed;
• Have completed at least one Qualifying Transaction; and
• Hold an open and active Bright Savings Account.

You may send invitations at any time, including before you meet these requirements. However, rewards are issued only after all conditions are met and verified.

3.2 Referred Members

To be eligible for a Referred Member reward, you must:

• Be at least 18 years old, or the age of majority in your state of residence, whichever is higher;
• Complete sign-up as a new Bright member using a Referrer’s link or code;
• Complete at least one Qualifying Transaction;
• Hold an Active Membership through the point at which eligibility is assessed; and
• Hold an open and active Bright Savings Account.

A referral qualifies only once for each person. A referral will not qualify if the Referred Member’s email address, mobile phone number, Social Security Number (SSN), device, or payment method has already been used for another Bright account or a qualifying referral.

3.3 Bright Savings Account

Participation in the Program requires an open and active Bright Savings Account. You will be asked to review the [Deposit Account Agreement] in the Bright Money app. By selecting “Agree,” you confirm that you have read and accepted that agreement, consent to the opening of your Bright Money Savings Account, and activate your eligibility for referral rewards.

Deposit accounts are provided by Evolve Bank & Trust and Continental Bank, Members FDIC. FDIC insurance covers only the failure of Evolve Bank & Trust and Continental Bank, Members FDIC. [Learn more]. Bright is a financial technology company, not a bank.

4. How the Referral Program Works

1. You send an invitation. Share your unique referral link or code from the Referral section of the Bright app.
2. Your invitee signs up. They create a new Bright account using your link or code and complete registration.
3. Both of you complete the required actions. Each of you must complete at least one Qualifying Transaction, hold an Active Membership, and hold an open and active Bright Savings Account.
4. Bright verifies eligibility. We check that all conditions in these Terms have been satisfied.
5. Rewards are credited. Any reward you have earned is credited to your Rewards Account in the app.

You can track your progress in the Referral section of the Bright app, which shows your total rewards earned and pending, how many rewards you have earned against your monthly maximum, and a limited status for each referral (pending, earned, expired, or ineligible). The Referral section also includes a Frequently Asked Questions area and a button to contact customer support.

5. Referral Rewards

5.1 Reward amounts vary between members

Reward amounts are not fixed. Bright runs more than one reward offer at the same time, as well as periodic promotional tests. The amount offered to one member may differ from the amount offered to another member at the same moment, and amounts may change from one period to another. Bright determines which offer applies to you.

The Program page in the app and on the Bright website will display different amounts to different eligible members. The offer displayed to you is the offer that applies to you. It creates no entitlement for any other member, does not represent the best or highest offer available, and does not oblige Bright to extend that offer to any other member or to you at a later time. A difference between members is not an error, and Bright will not match one member’s offer to another member’s offer on request.

No displayed amount is the standard, guaranteed, or universal Program reward.

5.2 Current reward offers

The Program currently operates through the following reward offers:

More than one offer may be live at the same time. Not every offer is available to every member. The offer that applies to you, and its conditions, are the ones displayed to you under Section 5.3.

5.3 Which amount applies to you

The reward amount that applies is the amount displayed to you at the time you send the invitation (if you are the Referrer) or at the time you sign up (if you are the Referred Member).

5.4 Reward terms

• Rewards are credited in US dollars.
• Rewards have no cash value until they are credited to your Rewards Account.
• Rewards are not transferable or assignable.
• Rewards are limited to one Rewards Account per person.
• Participation does not guarantee a reward. Bright makes no representation or projection as to the amount any member may earn, and the Program is not a source of income.
• Rewards may be taxable. You are responsible for any taxes on rewards you receive. Bright may ask for your taxpayer information and may issue tax forms (such as IRS Form 1099) where the law requires.

5.5 If a Referrer’s membership lapses

For Offer A (and for Offer B where the offer displayed to you says so), the Referred Member’s reward depends on the Referrer maintaining an Active Membership. If a Referrer is not eligible at the time a referral is assessed but regains eligibility in a later month, rewards for referrals that qualified while the Referrer was ineligible will be credited retroactively in the month eligibility is regained, subject to the monthly limit in Section 6.

6. Referral Limits

A Referrer can receive a maximum of 5 referral rewards per calendar month.

Referrals beyond that cap do not carry over into the following month.

7. When Rewards Are Credited and Withdrawn

Rewards you earn are credited to your in-app Rewards Account.

You may withdraw the balance of your Rewards Account to a linked external account. Withdrawals require successful completion of identity verification (CIP/KYC), sanctions screening, and fraud and account-security checks by Bright or its partner banks. Until that verification is complete, funds cannot be withdrawn. Bright may hold a reward or a withdrawal while it completes a reasonable compliance review.

8. When You May Not Receive a Reward

You may not receive a reward, or a pending reward may be withheld or reversed, in circumstances including:

• Any eligibility requirement in Section 3 is not met or cannot be verified;
• The Referred Member unsubscribes or cancels their membership before completing the eligibility requirements. In that case, the referral is terminated, and the Referrer will see that referral’s status updated to reflect ineligibility in the Referral section (see Section 4);
• The referral is a duplicate, meaning the Referred Member’s email address, mobile phone number, SSN, device, or payment method has already been used for another Bright account or a qualifying referral;
• You have already reached the monthly limit in Section 6;
• The activity is found to be invalid, abusive, or in breach of these Terms or applicable law; or
• The Program is changed, suspended, or discontinued before you complete the required actions (see Section 9).

9. Program Changes or Suspension

Bright may, at its sole discretion and at any time, add, change, reduce, withdraw, or replace any reward amount, eligibility condition, referral cap, Qualifying Transaction threshold, payout method, or other Program term, and may introduce, modify, or discontinue any reward offer or promotional test. This may be done with or without prior notice, except where the law requires notice.

A change takes effect when it is published on the Bright website or in the Bright app. Continuing to participate after that point means you accept the change.

Changes apply going forward. A change to a reward amount or condition will not apply to an invitation you sent, or a sign-up you completed, before the change takes effect. A change will not revoke a reward that has already been credited, unless it was credited in error or was obtained in breach of these Terms or applicable law.

Bright may also pause or end the Program. If the Program is suspended:

• Referred Members who have not completed the required actions – for example, who have not completed a Qualifying Transaction or have not maintained an Active Membership – will not receive a reward; and
• Referred Members are not entitled to a refund of membership fees, except where there is evidence of a significant service failure on Bright’s part.

10. Sharing Rules, Fraud, Abuse and Program Integrity

Bright may review Program activity to protect the integrity of the Program and its members.

Where Bright identifies unusual, invalid, duplicate, or suspected abusive activity, Bright may pause enrollment or the crediting of rewards while it reviews the activity, apply additional identity checks, decline, withhold, or reverse rewards where permitted, limit or remove a member’s participation in the Program, and pause or terminate the Program.

When you share your referral link or code, you must:

• Share your link or code only with people you know, or who have agreed to hear from you, and not send spam or unsolicited bulk messages;
• Not send text messages or make calls to anyone who has not agreed to receive them from you;
• Clearly disclose, whenever you share publicly (including on social media), that you may receive a reward if someone signs up using your link (for example, “I get a reward if you sign up”);
• Not make any statement about Bright’s products, fees, rates, credit results, or FDIC insurance that is false, misleading, or inconsistent with Bright’s published information, and not promise a reward amount other than the one shown in the app;
• Not post your link or code on coupon, deal, or cash-back sites, or in paid search or other paid advertising, and not use Bright’s name or logo in any domain name, social media handle, or advertisement;
• Not refer yourself, create more than one account, or use false, borrowed, or made-up identity information; and
• Not offer or pay anything to a person to get them to sign up.

11. Other Bright Money Terms

Your participation in the Program is also governed by the other Bright agreements that apply to you, including the Bright Money Terms of Service, the Deposit Account Agreement, and the Privacy Policy. These include the dispute resolution and arbitration provisions that apply between you and Bright.

To the fullest extent permitted by law, Bright’s total liability to you arising out of or relating to the Program is limited to the amount of any reward you were entitled to receive under these Terms. Bright is not liable for indirect, incidental, special, or consequential damages arising from your participation in the Program. Some states do not allow the exclusion or limitation of certain damages, so some of these limitations may not apply to you.

If a marketing or promotional statement conflicts with these published Terms, these Terms control.

12. General Terms

• The Program is void where prohibited by law.
• The Program is open only to individuals who live in the United States and have a valid Social Security Number.
• Bright may exclude members in particular jurisdictions, or members on particular membership plans, from the Program or from a specific reward offer.
• Rewards are limited to one Rewards Account per person.
• These Terms are published on the Bright website and in the in-app FAQ, and are version-controlled and dated. Where a change materially reduces a member’s benefit or adds a condition, the previous version will be retained and made available.
• Nothing in these Terms limits Bright’s obligation to comply with applicable law and regulatory requirements.

13. Contact Us

If you have any questions about the Referral Program, contact Bright at support@brightmoney.co or use the contact support button in the Referral section of the Bright app.