Referral program

Invite friends, family, or people in your network to Indemo and earn a reward when they make their first qualifying investment. Your referred investor receives a bonus too, making it a simple way to share Indemo with others. You and your referred investor both receive a €25 bonus once their first qualifying investment is completed — an investment of at least €50 in a single transaction. Split investments do not qualify. Terms and Conditions apply.
622

Registered Investors

48 222

Total Referral Bonus, EUR

Main Highlights

Discover the key benefits of the Indemo Referral Program and see how you can earn rewards by inviting new investors to the platform.

Earn together

Invite your friends, family, or network to Indemo and receive a bonus when they make their first qualifying investment. It’s a simple way to grow your rewards while helping others discover Indemo.

Track your referrals

Follow your referral progress in a dedicated dashboard. See how many investors joined through your link, track qualifying activity, and keep an eye on your earned bonuses.

90-day qualification window

Your referral has up to 90 days after registration to complete their first qualifying investment. This gives new investors enough time to explore the platform before getting started.

Clear bonus conditions

Both you and your referred investor receive a €25 bonus once their first qualifying investment is completed. To qualify, the first investment must be at least €50 in a single transaction.

How it works

1

Sign in to the Indemo app

Log in to the Indemo app using your email and password. Then open the Refer a Friend section from the app menu. If you do not have the app yet, download it from the Apple App Store or Google Play.

step 1
2

Share your personal link

Copy your unique referral link and share it with friends, family, or your wider network. You can send it by email, social media, or any messaging app you prefer.

step 2
3

Wait for the first investment

After someone registers through your link, they need to create an investor account and make their first qualifying investment of at least €50 in a single transaction.

step 3
4

Receive your bonus

Once the qualifying investment is completed, both you and your referred investor receive a €25 bonus. Split investments do not qualify. Terms and Conditions apply.

step 4

FAQ

© 2026 All rights reserved.

Indemo SIA — (registration no. 40203401432, legal address: Skanstes iela 50, Rīga, LV-1013, Latvia) is an investment firm licensed and supervised by Latvijas Banka (Central Bank of Latvia). License number 06.06.08.824/547.

Indemo SIA is a member of the national investor compensation scheme established under EU Directive 97/9/EC. The scheme protects investors by providing compensation if Indemo SIA fails to return financial instruments or cash to investors. The compensation is limited to the outstanding liabilities, up to €20 000.

1 Indemo authorized and approved to operate in 29 EU Member States: Germany (Bundesanstalt für Finanzdienstleistungsaufsicht), Spain (Comisión Nacional del Mercado de Valores), Portugal (Comissão do Mercado de Valores Mobiliários), France (L’Autorité des marchés financiers), Lithuania (Lietuvos centrinis bankas), Austria (Austrian Financial Market Authority), Malta (Malta Financial Services Authority (MSFA)), Netherlands (De Nederlandsche Bank (DNB)), Iceland (Central Bank of Iceland Seðlabanki Íslands), Sweden (Finansinspektionen (FI)), Italy (Commissione Nazionale per le Società e la Borsa), Ireland (Banc Ceannais na hÉireann (Central Bank of Ireland)), Luxembourg (Commission de Surveillance du Secteur Financier), Romania (Autoritatea de Supraveghere Financiară (ASF)), Norway (Finanstilsynet), Hungary (Magyar Nemzeti Bank (MNB)), Greece (The Hellenic Capital Market Commission (HCMC)), Slovenia (Agencija za trg vrednostnih papirjev), Slovakia (Národná banka Slovenska), Cyprus (Cyprus Securities and Exchange Commission), Czech Republic (Česká národní banka), Finland (Finanssivalvonta FIN-SVA), Belgium (Autoriteit voor Financiële Diensten en Markten), Estonia (Estonian Financial Supervision and Resolution Authority), Latvia (Latvijas Banka), Liechtenstein (Finanzmarktaufsicht Liechtenstein (FMA)), Denmark (Finanstilsynet), Croatia (Hrvatska agencija za nadzor financijskih usluga).

3 15.1% is expected annual return rate based on the moderate scenario for Discounted Debt Investment products, when 90% of the outstanding mortgage debt is settled within 18 months of the investment date (for more info, please see KID available in the Legal Documents section).

Investing in financial instruments involves risk, and there’s no guarantee that investors will get back invested capital. Moreover, past performance does not guarantee future returns.

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