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Frequently asked questions
Referrals: How to earn rewards
Current status
We are currently processing referrals from 13 Sept to 15 Sept. Please be patient while we ensure that all eligible referrals receive their rewards.
NOTE! Some users may experience slight delays, but rest assured, all valid referrals will be rewarded.
How do you earn rewards?
1
Refer a Friend:
In your profile, click on "Refer a Friend" to share your unique referral code. Your friend must use this code when signing up to link your profiles and start the referral process.
Important: Users only earn rewards when referring friends who successfully sign up and complete all the required steps. Simply creating an account without using a referral code won’t qualify you for a reward.
2
Complete these steps
Once your friend signs up, they need to complete the following actions for both of you to earn rewards. Rewards may take up to 3 business days to reflect in your accounts once these steps are done:
1. Verified phone number
Your friend needs to verify their phone number by entering the OTP sent to their phone.
Verified
2. Make sure your friend successfully completed their identity verification
Make sure your friend completed the full identity verification on the app. You can check their verification status by viewing their profile, where it will clearly indicate whether they are verified. If the status shows "pending," this step is not yet complete.
3. Your friend need to add their currency accounts
To be able to start earning money and spending through Zeam you need to add your currency accounts.
4. Your friend need to make a transaction on the app
Your friend needs to complete their first transaction, such as sending money, buying airtime, or purchasing a voucher.
Reward Tiers: How referral earnings are adjusted
As Zeam grows, we adjust referral rewards based on the number of users. When we first launched, we rewarded early users with higher amounts—up to R100 each when we had only 100 users. However, as our user base expands (e.g., once we reach 10,000 users), we lower the earning amount to ensure we can reward more users while managing our budget effectively. This tiered approach allows us to continue offering rewards without the need to pause referrals.
We’re also excited to announce that more rewards are coming in the future! Stay tuned as we introduce new ways to earn through Zeam.
Frequently asked questions
See below to see if any of these answers help with your question.
What is Zeam?
How do I fund my Zeam wallet?
How do I save in Zeam?
How do I swap between currencies?
How do I send funds to someone on Zeam?
How do I send funds internationally?
How can I shop using Zeam?
Referrals: How to Earn Rewards
Current status
We are currently processing referrals from 7th December to 31st December 2024. Please be patient while we ensure that all eligible referrals receive their rewards.
NOTE! Some users may experience slight delays, but rest assured, all valid referrals will be rewarded.
How do you earn rewards?
1
Refer a Friend:
In your profile, click on "Refer a Friend" to share your unique referral code. Send your code to friends via Whatsapp or social media. Your friend must use this code when signing up to link your profiles and start the referral process.
Important: Both you and you referred friend must complete KYC verification to be eligible. Users only earn rewards when referring friends who successfully sign up and complete a qualifying transaction. Simply creating an account without using a referral code won’t qualify you for a reward.
2
Complete these steps
Once your friend signs up, they must compete a qualifying transaction for you to receive your reward. No cashouts, only transactions inside the Zeam ecosystem (shop, send, transfer, top-up).
Frequently asked questions
See below to see if any of these answers help with your question.
What is a qualifying transaction?
How long will the campaign run for?
Who can use referrals?
What is the reward?
How do I refer someone when I am an active Zeam user?
When do I receive my referral reward?
What are Referrals?
What are the limitations?
How do I refer someone when I am on the waiting list?
What should I do if I receive the Zeam invitation message from a friend?
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We’re here to help you
Discover answers to frequently asked questions we receive we have created how to guides for.
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© 2025 Zeam. All rights reserved.
The “Zeam Group” operates through a number of entities and regulated partners across various jurisdictions. Zeam works in partnership with licensed financial institutions and payment providers to facilitate fiat and crypto transactions across Africa, Europe, and select global corridors. Read our crypto disclosure here (link)
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
© 2025 Zeam. All rights reserved.
The “Zeam Group” operates through a number of entities and regulated partners across various jurisdictions. Zeam works in partnership with licensed financial institutions and payment providers to facilitate fiat and crypto transactions across Africa, Europe, and select global corridors. Read our crypto disclosure here (link)
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
Making financial services accessible to everyone across Africa.
© 2025 Zeam. All rights reserved.
Zeam SA (Pty) Ltd is a juristic representative of Paytec Services (Pty) Ltd. Paytec Services is Financial Service Provider rendering services in respect of crypto assets (CASP) (Read Crypto Public Disclosure), subject to the Financial Advisory and Intermediary Services Act of South Africa (FAIS) and is subject to regulatory oversight by the Financial Sector Conduct Authority of South Africa (FSCA). Paytec Services has been assigned an FSP number (53737) pending the final determination of its CASP application. In the interim, Paytec Services continues to conduct its business lawfully as a CASP in accordance with the FSCA’s Exemption Regime. Paytec is an Accountable Institution registered with the Financial Intelligence Centre (ORG 65501).
The “Zeam Group” operates through a number of entities and regulated partners across various jurisdictions. Zeam works in partnership with licensed financial institutions and payment providers to facilitate fiat and crypto transactions across Africa, Europe, and select global corridors. Read our crypto disclosure here (link)
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
© 2025 Zeam. All rights reserved.
The “Zeam Group” operates through a number of entities and regulated partners across various jurisdictions. Zeam works in partnership with licensed financial institutions and payment providers to facilitate fiat and crypto transactions across Africa, Europe, and select global corridors. Read our crypto disclosure here (link)
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.