For investment purposes only, I will also receive $20 from your sign up. Use my signup code 9DXMG6S Download the 86400 app from a phone app store You have until the end of Oct to get $20 or it reverts to $10 86400 FAQs(86400.com.au) How the referral program works: Where do I enter the code? - Once you've downloaded the app, make sure you enter the invite 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 the app. - Then, go treat yo'self (i.e. make a purchase) using Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay or your 86 400 Visa Debit card by 30 September 2020. That's it! You'll receive your $20 bonus in your Pay account within a couple of days. T&C for current promotion below: "The Refer a Friend offer will run from 1 April 2020 to 31 December 2020 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. 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 by 31 December 2020.