Chexy referral code: get $25 with this link

No. Chexy referrals work by link, not by code: at account creation, there is no field to enter a referral code, and the referrer's dashboard only shows a link to share. Cash Instinct's referral link is https://app.chexy.co/join/REF-WDTW5Q (open it before creating your account). Since October 27, 2026, the 2026 program provides $25 for the referrer and the referred friend ($20 before) when the friend has completed their first payment in the mobile app. Chexy also has promo codes, but they apply later, to a recurring payment, not at account creation.

Yes, indirectly, through Chexy. Most Quebec municipalities don't accept credit cards directly, but Chexy charges your card (Visa, Mastercard or Amex) with a 1.75% fee, then pays your city by Bill Pay or PAD, depending on what it accepts. Your city receives a normal payment. Check that your municipality is in the Chexy payee directory before scheduling.

Hydro doesn't accept credit cards directly. Chexy works around this limit: you pay your Hydro bill by card via Chexy (1.75% fee), and Hydro receives the payment as a standard bill payment. Points depend on the issuer, card and payment type. Check eligibility before comparing rewards with fees.

The base fee is 1.75% per payment with a Canadian credit card (Visa, Mastercard or Amex) and 2.5% with an internationally issued card. Until December 31, 2026, it drops with your referral tier: 1.5% (Pink, 3 referrals), 1.0% (Gold, 5 referrals) and 0.5% (Elite, 10 referrals), up to a maximum of $50,000 in payments per calendar year. Tiers end after that date, and anyone with no activated referral as of October 31, 2026 can no longer unlock one. Business account payments start at 1.99%. The paid annual Essential and Plus memberships also lower the Canadian rate to 1.6% or 1.5%, but can't be combined with the tier discount.

Chexy is worth it as soon as your credit card earns more than the 1.75% fee in points or rewards value on the payment category involved, if the issuer treats the transaction as eligible, provided you pay 100% of the balance every month. On a card that actually earns 2% or 3% on the category, you can still come out ahead. Conversely, Chexy says that starting October 22, 2026, the Scotia Momentum Visa Infinite+ earns 1% instead of 4% for rent, household expenses, condo/strata fees, property tax and income tax: at a 1.75% fee, the net return becomes negative for those payments. Compare each card's category, cap and annual fee rather than generalizing this change to Chexy. It may also help meet a welcome bonus threshold if the issuer counts these payments as eligible spending: paying $6,500 in taxes and Hydro costs about $114 in fees and could unlock a bonus worth several hundred dollars.

Tiers reduce the referrer's fees until December 31, 2026: Starter (1+ referral) gives $25 credit; Pink (3+) gives $25 credit and reduces the fee to 1.5%; Gold (5+) gives $25 credit and reduces the fee to 1.0%; Elite (10+) gives $25 credit and reduces the fee to 0.5%. Anyone with no activated referral as of October 31, 2026, which includes every new customer, can no longer unlock reduced fees; the $25 credit per referral continues after 2026. If your crew (the people you refer) completes enough payments in 2026 — 15 for Pink, 50 for Gold, 250 for Elite — your current tier is extended until December 31, 2027, with no further extension. It is your referrals' payments that count, not your own.

Yes. Chexy is available across Canada, including Quebec, and the app can be used in French. It lets you pay rent, municipal and school taxes, income taxes (CRA and Revenu Québec), tuition and bills such as Hydro-Québec, depending on the payees in its directory.

How a Chexy charge is classified and whether it earns points or counts toward a welcome bonus depend on the issuer, card and payment type. For example, BMO treats tax payments made through Chexy as cash transactions: they earn no points, and BMO may apply a cash advance fee at its discretion.

Chexy is a Canadian fintech acting as a payment intermediary. The payee (landlord, city, Hydro, Revenu Québec) may receive payment by Interac e-Transfer, PAD or Bill Pay, depending on what they accept. They do not need to sign up for Chexy. As with any financial service, pay your balance in full to avoid interest that would cancel the advantage.

Sign up as a new user through the referral link (there is no code to enter at sign-up), then complete your first payment in the mobile app. Chexy says the referral credit is usually processed within about two weeks after the completed payment.

Chexy can deliver payments by Interac e-Transfer, PAD or Bill Pay, depending on what the payee accepts. With PAD, the payee pulls funds from your Chexy Wallet. Timing varies by delivery method and payee.

Yes. Chexy sends your income tax payment to the CRA or Revenu Québec through Bill Pay; Revenu Québec requires a payment code. You pay by credit card (1.75% fee) and the agency receives its payment. Reward eligibility depends on the issuer, card and payment type. Check it before comparing rewards to fees.

The person you refer must be a new Chexy user who signs up through the link and completes their first payment in the mobile app — signing up alone isn't enough. The bonus isn't instant: the referral status can take up to 24 hours to update, and Chexy says referral bonuses are usually processed within about two weeks after the completed payment. A tier earned in 2026 lasts until December 31, 2026, unless it is extended.

Chexy promo codes only apply to recurring payments of $7,500 or less: not to a one-time payment (such as a single tax payment), not retroactively to a completed or in-progress payment, and an applied code can't be removed. Some codes only apply to the first payment. For a new account, the lever is the referral link: it attaches at account creation, with no code, and gives $25 to the new customer and their referrer after the first payment completed in the mobile app. No minimum amount is stated for that first payment.

Your credit (referral bonus or Chexy Cash) is added after a payment has been successfully completed: bill payment sent, Interac transfer deposited, pre-authorized debit (PAD) withdrawn, or EFT processed. To use it, you redeem it on your next payment: in the "Wallet" for an existing payment, or directly at the checkout screen for a new one. Important detail: redeem your credit before your card is charged — that's about 4 business days before the due date for an existing payment. The credit applies to both recurring and one-time payments, but cannot be withdrawn or transferred: it only serves to reduce your payments through Chexy.

It's a Chexy credit, not a transfer to your bank account. Once your first payment is completed in the mobile app and the referral is processed, the $25 appears as a credit balance in your Chexy account. You then redeem it with the "Redeem" button to reduce a future payment made through Chexy. The credit cannot be withdrawn or transferred, and Chexy's terms of use state that referral rewards may be taxable.