Direct answer: there is no Chexy referral code to type in. Chexy referrals work through links, not codes — you open someone's referral link, create your account from it, and complete your first payment in the app, and then you and your referrer each receive $25 in Chexy credit. This page targets the search wording ("referral code") and corrects the terminology inside it, because searching for a code is how most people arrive — and typing a code into a field that does not exist is how the bonus gets lost. (The names in the examples below are constructed scenes, not real visitors.)
Since October 27, 2026, a successful referral pays $25 in Chexy credit to the referrer and $25 to the friend — $25 each, not $25 split between you. The amount is based on the date the referred friend activated, meaning the date the friend completed the first payment: activation on or after October 27, 2026 earns $25 each; activation on or before October 26, 2026 earns $20 each under the old rate. That date split is the reason older directory pages still showing $20 are not necessarily wrong — they are stale. A page that lists $20 without a date is behind the October 27 change; a page that lists $25 is current.
The $25 is Chexy credit, not cash, and it lands once the friend's first payment completes in the app. It is not a discount on the fee and not a payout to a bank account. If you are comparing the bonus against Chexy's 1.75% domestic card fee, keep the two separate: the fee applies to every payment; the bonus is a one-time credit per referral.
Almost every lost Chexy bonus is a tracking failure, not a missing code. Run this pre-flight in order, before creating anything:
Constructed scene: Priya opens a friend's link, creates her account in the same session, and sets up her rent payment. The bonus arrives after that first payment completes. Her colleague Sam finds Chexy on his own, signs up, and only afterwards opens the same link to "apply" it — his account has no referral attached, and no later step re-attaches it. Same link, same week, opposite outcomes, decided entirely by order.
A referral link and a promo code are different instruments, and only one of them exists for Chexy referrals. The referral link is the tracking mechanism: it ties your signup to the referrer and triggers the $25 each. A promo offer, where one exists, is a separate promotion with its own terms — it does not replace the referral link, and entering a promo somewhere does not retroactively attach a referral to an account created without the link. If you have both a referral link and a promo offer, use the referral link for signup first; treat anything else as an additional offer to check on its own terms, not as a substitute for the link.
Say it plainly, because these are the cases where hunting for another link wastes time:
If none of those apply and the bonus still has not appeared after the first payment completed, the problem is diagnosis, not a new link: work through the missing-bonus diagnosis in order before assuming the referral failed.
From November 1 to December 31, 2026, Chexy runs a referrer milestone promo on top of the $25 per referral: $100 at 2 friends referred, $300 at 4, and $600 at 6, for up to $1,000 in milestone bonuses — $1,150 in total at 6 friends including the $25 per friend. Milestones count total friends referred, and each friend must reach $1,000 in completed payments within 90 days of creating their account for that friend to count toward a milestone (spend counted before fees; the milestone bonus is credited within a day of the friend reaching $1,000). The $25 itself is based on activation, not on the $1,000 — the spend requirement applies only to milestones. After 6 friends, milestone bonuses stop at $1,000, but the $25 per additional friend continues with no limit.
No. Chexy referrals work through links, not typed codes. There is no code field to type one into; the referral tracks from the link opened before you create your account.
Since October 27, 2026, each side receives $25 in Chexy credit once the referred friend signs up through the link and completes the first payment in the app. If the friend activated on or before October 26, 2026, the amount is $20 each.
No. Chexy's terms say you can refer any friend who is not already using Chexy, and the reverse holds too: an existing user cannot earn a referral bonus by going through a link afterwards.
No. A promo offer, where one exists, is separate from the referral link and does not replace it. The referral tracks only through the link opened before signup.
The whole page reduces to one ordering rule: link first, account second, completed payment third. The Chexy wall lists user-submitted referral links with their terms — open one, sign up from it, complete your first payment in the app, and the $25 tracks from there. If you already signed up and the bonus is missing, start with the missing-bonus diagnosis instead of hunting for another link.
Disclaimer: links on this site are user-submitted and NOT guaranteed valid. This site is not affiliated with Chexy. Reward amounts and terms follow Chexy's own referral terms and can change; the figures on this page were checked against Chexy's Help Centre on 2026-11-01.