The refer a friend offer is a scam. My friend refered me and I used her link to download the app. The app was crashing all the time on my phone so I could not fully register ( it did not read my ID). Once I changed phone my friend sent me her link again and I did all the process to get the refereal right, I use my revolut card a lot. But still no money for the referral coming and they say it is because I registered before and did not complete the process on time. Duh. The app was crashing.