How do I use referral credit?

Referral credit comes off at checkout automatically, after any startup programme credit and before your card or mobile money.

• It isn’t money: you can’t withdraw it, transfer it or swap it for cash.
• It lasts 12 months from the last time you earned some.
• Money a study paid with referral credit doesn’t use goes back to your referral credit.
• Like startup credit, it can’t pay people who share a phone or mobile money number with your team.