TransferGo 2026: International Money Transfer Guide + Invite Bonus

TransferGo is a service designed to simplify international money transfers. This guide helps you compare the real cost (fee + FX), understand how the invite bonus works, and choose the right route for your situation — with Germany‑related scenarios included.

🚀 Quick summary (2026)

• Compare the right number: don’t look at “fees” alone — compare the net recipient amount.
• Invite bonus reality: reward size and rules vary by country; promos may exist but are not guaranteed.
• Typical requirement: the invited person often needs to complete a cross‑border transfer with currency conversion above a threshold (e.g., €100+ or equivalent).

2026 transfer flow: choose route → check net amount → send & track

🧭 How TransferGo works (2026 flow)

1. Open an account and complete ID verification if required (KYC/AML varies by country).
2. Select sender/recipient countries and currencies.
3. Enter the amount → review net recipient amount, fee, and ETA.
4. Choose a payment method (bank transfer/card etc., depending on your region).
5. Confirm and track — weekends and cut‑off times can extend delivery.

💸 Fees + FX: the real total cost

“Cheapest” is rarely one number. A practical way to think about it:
Total cost ≈ transfer fee + FX margin + (if applicable) banking deductions.

• Compare net recipient amount, not just the fee line.
• Check whether a “fast/express” option increases cost.
• Consider weekends/cut‑offs (ETA and rate can differ).

Official pricing page: https://www.transfergo.com/pricing

Real cost = fee + FX margin + (if any) banking deductions

✅ When TransferGo makes the most sense

• Small/medium amounts: when you want speed and simplicity.
• Clear on‑screen totals: you want the net amount and ETA in one view.
• One‑off support payments: family, rent, tuition or urgent transfers.

🎁 Invite bonus 2026: how it usually works

Invite programs vary by country and time. The rules shown in the app (“Invite friends”) are the source of truth. Most campaigns follow this pattern:

• The invited person must be a new user.
• Their first eligible transfer must exceed a minimum amount (e.g., €100+ or equivalent).
• The transfer often must be cross‑border and include currency conversion.

🌍 Realistic scenarios (Germany included)

The examples below illustrate decision logic. Availability varies by corridor; always check the net amountand ETA in the app for your sender/recipient countries.

Across corridors, the logic is the same: net amount + speed + eligibility

⚠️ Common mistakes in 2026

• Choosing the wrong currency (recipient gets less or the transfer is delayed).
• Sending on weekends and expecting same‑day delivery.
• Recipient name doesn’t match the account details.
• Not checking minimum amount and country eligibility for the invite bonus.

✅ 2026 mini checklist

• Recipient details correct? (IBAN/account number, full name)
• Does the “recipient gets” amount match your target?
• Is ETA impacted by weekends/cut‑offs?
• If you want the invite bonus: confirm threshold, first‑transfer rule, currency conversion, and country eligibility.

❓ FAQ

Is TransferGo safe? TransferGo uses verification and compliance checks. For official details, read the terms and help center.

Why didn’t the invite bonus appear? Common reasons: minimum not met, no currency conversion, unsupported corridor/country, missing verification, or a campaign ended.

Do fees/rates change in real time? Yes. Treat the confirmation screen as the source of truth.

Tax implications? Invite rewards may be taxable depending on your country. Follow local rules and seek advice if needed.

🔗 Official sources

• Pricing: https://www.transfergo.com/pricing
• Invite program: https://www.transfergo.com/refer-a-friend
• Terms: https://www.transfergo.com/terms
• Help center: https://support.transfergo.com/hc/en-gb