Sarwa referral bonus tiers: AED 100 to AED 3,000
Your total deposits in the first 90 days set the bonus for both of us. The ladder rewards bigger commitments, and a top-up rule means earlier payouts never disappear.
📋 Three rules that govern the bonus ladder
- $500 opens the door. Deposit $500 total within 90 days of registration and both of us receive at least AED 100. Below $500, nobody receives anything.
- More deposits unlock higher tiers. Sarwa maps deposit milestones to bonus amounts up to AED 3,000 each. Your combined total across Invest, Trade, and Save counts, not any single account in isolation.
- Top-ups pay the difference. Sarwa already paid you at a lower tier and you later reach a higher one inside your 90-day window? Sarwa pays both of us the difference between the two tiers. Earlier payouts stay. You never lose ground by climbing.
🏆 The tier table
| Total deposited in first 90 days | Bonus to each of us |
|---|---|
| Under $500 | AED 0 |
| $500: first milestone | AED 100 |
| Intermediate milestones | Rising steps up to AED 3,000 |
| Top milestone | AED 3,000 |
💡 Worked example: the top-up rule in action
Day 5: you deposit $500. Sarwa credits AED 100 to each of us within 30 business days.
Day 60: you add more funds and cross a higher milestone worth AED 500 each. Sarwa pays each of us AED 400, the difference, not another AED 500.
Total received by day 61: AED 500 each. Your Rewards screen will show two separate credits. This is normal, not an error.
🔍 Why your bonus credit might look smaller than expected
Sarwa pays in stages as you reach each tier. If your Rewards screen shows a credit below the tier amount you reached, check whether an earlier tier was already paid. The sum of all credits equals your current tier amount.
⏰ The one deadline that decides everything
Only deposits made within the first 90 days after registration count toward tiers. A deposit on day 91 earns nothing extra, no matter its size. If you plan to fund in multiple transfers, schedule them inside the window.
Signed up before 26 November 2025? You fall under the older program: a flat AED 500 bonus for funding $500, with no tiers. The tiered structure applies to accounts created on or after that date. Check your Sarwa app or the November 2025 T&C (PDF) to confirm which version applies to you.
Official source: Sarwa referral program: help article
Start the clock
Use code DXKR1D4E at sign-up, then fund inside your 90-day window.