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Referral Terms & Conditions

The following details the terms and conditions of Orca’ Refer-a-Friend reward scheme.


  1. This offer is open to new and existing Orca customers only.
  2. New customers are individuals who:

    i. have not invested with Orca Money Limited (Orca) before; and
    ii. in Orca’s reasonable opinion, are capable of being accepted as a customer of Orca, in accordance with the requirements of Orca’s Standard Terms and Conditions, and all applicable law.

  3.     Existing customers are individuals who:

    i. have invested with Orca having met Orca’s Standard Terms and Conditions; and
    ii. have not withdrawn, or issued a withdrawal request, during the offer period.

  4. This offer will:

    i. open for acceptance from 00:01 on Tuesday 1st May 2018; and
    ii. close at Orca’s sole discretion (the period between is the Offer Period).

IMPORTANT: Customers who have claimed the new investor ‘tiered bonus’ may not be referred by an existing Orca customer.  Customers can only be referred once. Customers who have been referred, or refer new customers to Orca, may claim other offers or bonuses in conjunction with this promotion only if specified within the terms of the additional promotion in question.



  1. To accept Orca’s offer, and receive the reward (The Reward) new customers (The Referee) must do each of the following things during the Offer Period:
  2. sign-up on
  3. use promo-code provided by their friend who is an existing Orca customer (The Referrer) during sign-up
  4. fund their new Orca Account and invest a minimum of £1,000 as their principal deposit

The Reward is based off of a new customer’s principal deposit only. Additional rewards cannot be claimed based on top-ups over the course of a new customer’s lifetime investment.


The Reward will be paid on the 12-months anniversary of the Referee’s principal deposit, providing the following conditions have been met:

  1. £1,000 or more has been deposited into the Referee’s Orca Account as their principal deposit.
  2. The Referee does not withdraw any part of their investment within 12 months beginning on the date when Orca receives their principal deposit.

The Reward for the Referee is based on their principal deposit. The investment tiers are:

  • £1,000 – £4,000 investment qualifies the Referee for the £50 bonus
  • £5,000 – £9,000 investment qualifies the Referee for the  £100 bonus
  • £10,000+ investment qualifies the Referee for the £150 bonus

Once the bonus has been paid into the Referee’s Orca Account it will be invested in the next investment cycle.

Important: A Referee (new Orca customer) may only be referred by one Referrer (existing Orca customer).


1. Orca will also add £50 bonus to the Referee’s friend’s account due to the fact they have been recommended by them. The £50 reward will be paid into the Referrer’s Orca Account on the 12-months anniversary of the Referee’s principal deposit.

2. Referrers do not qualify for the tiered bonus, only the £50 bonus, rewarding them for referring their friend(s).

Important: A Referrer is not restricted by how many friends they may refer.


For new customers, you have been personally invited to participate in this offer by one of your friends.

Orca reserves the right to substitute the reward with an alternative item of an equivalent value at our sole discretion.

If you need more information about this ‘Refer-a-Friend’ reward offer, or about the Orca Investment Platform more generally, please email [email protected], call 0131 510 7376 or chat with us on our Live Chat. You can find out more by browsing our website, specifically Invest with Orca.