Refer a Friend Program Master Terms & Conditions
To be eligible to take part in the Axos Bank Refer a Friend Program, the “Friend” (the person being referred) must first provide their email address using the unique link provided by the “Advocate” (the person referring). Once that step is completed, the Friend must select an active product or service promotion that is included in the Refer a Friend Program and complete the required steps to receive the reward/bonus.
When the Advocate shares their unique link with each Friend, the Advocate gives express consent to Axos to send each Friend promotional messages about Axos’ products and services. Friends and Advocates can opt out of Axos communications or change their communication preferences at any time. To protect the privacy of the Friend, information related to the steps required to prospect account information or eligibility is not, under any circumstances, permitted to be shared with the Advocate.
Minors and trusts cannot earn Refer a Friend promotional payouts as either the Advocate or Friend.
Unless expressly stated otherwise under the rules of a special promotion, the Friend:
Is only eligible to take part in the Refer a Friend program if the Friend is new to Axos Bank and has never been the primary or joint owner or borrower on any Axos deposit account, loan, or invest account.
May only earn one Refer a Friend reward. If the Friend takes part in multiple Refer a Friend promotions, the first promotion under which the Friend becomes an Axos customer will be counted as the promotion that is eligible to be fulfilled/paid.
May only be eligible for one promotional reward per financial product/service category. If the Friend uses an active promotional code when opening a new product or service and is also eligible for a Refer a Friend promotion on the same product or service, the bank reserves the right to reward the customer the promotion that pays the richer of the two rewards. Regardless of which promotion the Friend is eligible to receive, the Advocate will be awarded solely based on whether the Friend meets the Refer a Friend promotional conditions and requirements and not based on the conditions and requirements associated with the promotional code.
Will receive cash-based bonuses into an open Axos liquid deposit account. If the account opened as part of the Refer a Friend promotion is a liquid deposit account, that will be the account selected for payout. If no liquid deposit account is open and in good standing at the time of payout, payment may be forfeited
Unless expressly stated otherwise under the rules of a special promotion, the Advocate:
Cannot refer themself.
Cannot be an employee of Axos Financial or its affiliates.
Will receive cash-based bonuses into an open Axos liquid deposit account. If no liquid deposit account is open and in good standing at the time of payout, payment may be forfeited.
Any monetary or interest-based reward may be taxable and reported on IRS Form 1099- MISC or 1099-INT. Consult your tax advisor.
Axos reserves the right to review, investigate, and disqualify any Advocate or Friend from participation in the Axos Refer a Friend Program at any time, and reserves the right not to honor any referral or reward/bonus that in our sole discretion was solicited or earned in a manner inconsistent with the spirit, terms, or conditions of the Refer a Friend Program. This includes but is not limited to any attempt to defraud, deceive, or in any way abuse the program.
Refer a Friend promotions that are part of the Refer a Friend Program may include multiple products and services with different bonus amounts and requirements for each, and these promotions, bonus amounts, and requirements may be changed or discontinued at any time without notice. To see the full list of currently available Refer a Friend promotions, and their associated requirements, please visit https://www.axosbank.com/personal/bank/refer-a-friend.
The eligibility window for the 2025 Holiday Refer-a-Friend promotion is valid through January 8th, 2026. To qualify for the promotion, the “Friend” must submit a relevant application prior to 11:59pm, January 8th, 2026.
