Rewards, coupons & gift cards terms

1. Rules for all rewards

ⓘ Rewards are promotional, personal to you and offered at our discretion.

Rewards are promotional offers. We decide, to the extent the law allows, which customers are offered which rewards, and we may offer different rewards to different customers. Having received a reward before doesn’t mean you’ll receive one again.

Unless these terms or the offer say otherwise, every reward:

• is personal to you and can’t be sold, transferred, shared, gifted or assigned;
• has no cash value until it is actually credited to your account, and can’t be exchanged for cash before then;
• is subject to an expiry date shown in the app — once it passes, the reward is gone;
• requires an active Xpat account in good standing that has passed our identity and compliance checks; and
• is subject to these terms, our Terms of Service and the law.

A reward never guarantees that a transfer will be approved, completed or delivered by a particular time. Every transfer remains subject to our compliance, risk, operational and partner requirements.

2. Coupons and rate boosts

ⓘ A coupon improves your rate or adds rupees on one transfer to your own NRO account, as shown before you confirm.

A coupon gives you a better result on a transfer — for example a rate boost that adds rupees to what your recipient receives. Coupons apply only to transfers from the United States to an NRO account in India held in your own name, sent with the Prime delivery option.

Coupons and rate boosts don’t apply to transfers to NRE accounts, UPI IDs or anyone else’s account, or to US dollar transfers of any kind.

• One per transfer. You can apply only one coupon, rate boost or other promotion to a transfer. Transfer Credit counts as that transfer’s coupon.
• Shown before you confirm. The benefit of a coupon is shown in the transfer details before you authorize the transfer. If it isn’t shown there, it doesn’t apply. We won’t add a coupon to a transfer after you confirm.
• Expiry. Each coupon has an expiry date or validity window shown in the app.
• Conditions. A coupon may need a minimum or maximum transfer amount, a particular delivery option or completion within a set time. Those conditions are shown with the coupon.
• Single use. Once applied to a completed transfer, a coupon is used up. If the transfer is cancelled before it completes, we may, but don’t have to, restore the coupon.

Codes we give to you are for your own use. Codes published or shared beyond their intended audience may be cancelled.

3. Scratch cards

ⓘ After some transfers you may get a scratch card; what it can win is shown on the card, and winnings are claimed into your Cash Plus Account.

After an eligible transfer completes, we may give you a scratch card in the app. Not every transfer earns one.

• What you can win is shown on the card. Some cards may reveal no reward. The outcome is set by us before you scratch it, and scratching doesn’t change it.
• How it’s paid. A cash reward from a scratch card is claimed in the app into your Cash Plus Account. You need an open Cash Plus Account to claim it.
• Claim in time. Unclaimed or unscratched cards may expire on the date shown.
• Reversals. If the transfer that earned the card is cancelled, refunded, returned or reversed, the card and any reward from it are void. If you have already claimed the reward, you owe it back (section 7).

No purchase beyond the transfer you were already making is required, and scratch cards can’t be bought. We may change the rewards available on future cards at any time.

4. Free first transfer

ⓘ New customers may be offered one free $10 transfer, at our cost, to their own Indian account or UPI ID.

We may offer new customers a free first transfer: a one-time transfer of $10 that Xpat pays for, delivered in rupees to an Indian bank account or UPI ID in your own name.

• It is available once per person — not once per account, device or phone number.
• It must be used within the time window shown in the app; after that, the offer ends.
• The recipient account or UPI ID must be yours. It can’t be sent to anyone else.
• The rupee amount delivered is the value of $10 at the exchange rate shown before you confirm.
• The $10 is not paid to you in cash, can’t be withdrawn or redirected, and has no other value if you don’t use it.

5. Promotional credits

ⓘ Credits we give you for a promotion follow the conditions shown with them and can be taken back if they were given in error.

From time to time we may give you a promotional credit — for example a goodwill amount or a campaign reward — into your Cash Plus Account or another place shown in the app. Each credit is subject to the conditions shown with it, which may include a time limit or a requirement to use it on a transfer.

If we give you a credit by mistake, or more than the offer allowed, we may reverse it. Promotional credits don’t earn interest or yield unless an offer expressly says so.

6. Xpat gift cards

ⓘ Redeem an Xpat gift card with its 16-character code; one per account, and it can’t be cashed out except where the law says so.

Redeeming

An Xpat gift card is redeemed in the app by entering its 16-character code. When you redeem it, the card’s value appears in the Rewards / Gift cards section of your Xpat account. It isn’t a cash balance unless that particular reward says otherwise. You may need to complete identity verification before you can redeem.

• One gift card per account. Each account can redeem only one Xpat gift card unless we say otherwise.
• Expired or void cards can’t be redeemed. A card is void if it was obtained by fraud, bought with a payment that was reversed or disputed, cancelled by us, or already redeemed.
• No refunds or cash. Gift cards and their value can’t be refunded, resold or exchanged for cash, except where the law requires.
• Only Xpat gift cards. Cards issued by other companies can’t be redeemed with us.

Lost or stolen cards

Treat a gift card code like cash. We aren’t responsible for lost or stolen cards or codes, or for codes redeemed by someone else, except where the law requires. If you think a code has been compromised before you redeem it, contact us straight away; we’ll try to help but can’t promise to replace it.

Scams

Xpat will never ask you to pay a bill, a tax, a fine or a debt with a gift card, or to read a gift card code to anyone over the phone. Anyone who does is likely a scammer.

7. Abuse and clawback

ⓘ If a reward was gained through misuse, error or a payment that’s reversed, we can cancel it or take it back.

We may withhold, cancel or reverse any reward, and restrict or close your account under our Terms of Service, if we reasonably believe that you or someone acting with you:

• opened or used more than one account, or used someone else’s identity or details;
• gave false or misleading information, including about who owns a recipient account;
• made transfers mainly to collect rewards, including circular or round-trip transfers, or split transfers to get around limits;
• used bots, scripts or other automated means, or exploited a technical error;
• shared, sold or published codes intended for you alone; or
• otherwise broke these terms, our Terms of Service or the law.

If a reward has already been paid and it turns out it shouldn’t have been — because of misuse, an error, or because a transfer or payment connected to it was cancelled, returned, reversed, refunded or disputed — you owe us its value. To the extent the law allows, we may recover it by debiting your Cash Plus Account or any other balance you hold with us, deducting it from refunds, rewards or payouts, or asking you to repay it. We may report suspected fraud where the law requires.

8. Taxes

ⓘ Some rewards may be taxable, and you’re responsible for any tax on them.

Some rewards may count as taxable income. You’re responsible for any taxes on rewards you receive. Where the law requires, we may report rewards to tax authorities, issue you a tax form and ask for your tax information, and we may hold a reward until you provide it. We can’t give tax advice.

9. Changes and ending offers

ⓘ We can change or end rewards, but not for a transfer you’ve already confirmed with a reward shown.

To the extent the law allows, we may change, pause or end any reward, coupon or offer, or these terms, at any time. A change won’t affect a reward already shown in the disclosures for a transfer you have confirmed, or a reward already credited to your account (unless it is reversed under section 7). Gift cards already issued will be handled as the law requires.

We’ll tell you about material changes in the app, on our website, by email or another reasonable way.

10. Other terms and contact

ⓘ These terms sit alongside our Terms of Service and don’t take away your legal rights.

These terms are part of our Terms of Service, including its limits on liability and its dispute-resolution and arbitration terms. We decide, acting reasonably, whether a reward applies and whether these terms have been followed; our decisions are final to the extent the law allows. Nothing in these terms limits your cancellation and error-resolution rights (see Refunds, cancellations & errors) or any other right the law doesn’t allow to be waived.

Questions? Write to help@xpat.money, chat with us in the app, or call +1 866-421-4888.