MiRewards FAQs

What is MiRewards?

MiRewards is MiFinity’s loyalty programme. You earn MiPoints for eligible wallet activity and can redeem them for rewards. 

Who can join?

You must be 18 or older and have an active MiFinity eWallet in good standing. Joining may be automatic or program opt-in, depending on local law. 

How do I opt out MiRewards?

Open Account settings and turn MiRewards off. Unredeemed points are forfeited and cannot be restored. You can rejoin after at anytime. 

How do I earn MiPoints?

You earn 1 MiPoint for every €1 Euro of qualifying transaction volume, unless stated otherwise. Other currencies are converted to Euro currency when the transaction is posted on your MiRewards statement. 
After the transaction completes, MiPoints will appear in your account.

Which transactions qualify?

Typical qualifying transactions include:

Loading funds to your MiFinity eWallet → 1 MiPoint per €1
Sending funds to a merchant → 1 MiPoint per €1
eWallet to bank withdrawals → 50 MiPoints fixed
eWallet to card withdrawals → 50 MiPoints fixed
Withdrawing funds from an eligible merchant → 50 MiPoints fixed

These transactions count as “qualifying transactions” and will automatically earn MiPoints.

Which transactions do not qualify?

Some transactions do not earn MiPoints. These include sending or receiving funds through peer‑to‑peer transfers, IBAN deposits, as well as transferring money between your own MiFinity eWallets. Receiving funds from a merchant via a coupon also does not qualify for MiPoints. In addition, cancelled or reversed transactions are excluded, as is any commercial use of a personal account. MiFinity may also exclude specific merchants or sectors from qualifying if required for legal, regulatory, or risk management reasons.

Where and when do points show in my balance?

Once a transaction has been fully completed and settled, your MiPoints will be shown in your account. Refunds, chargebacks, disputes, or reversals will remove or block MiPoints. We may correct errors and round down to the nearest whole point. 
Your MiPoints will be visible in your MiPoints statement, which is accessible from the main MiRewards page.

Are there earning limits?

Yes, limits may apply per transaction, day, or month. Current limits are shown in-app where applicable. 

Do MiPoints have cash value?

No. MiPoints are not cash and cannot be sold or transferred. 

How do tiers work?

Your tier is based on the cumulative qualifying transaction (see point 5 above) in Euro volume
•    Classic 0–4,999 MiPoints
•    Exclusive 5,000–19,999 MiPoints
•    Signature 20,000–149,999 MiPoints
•    Elite 150,000+ MiPoints

Benefits and rules may change and are shown in-app. 

What benefits can tiers include?

Possible benefits include fee reductions, partner cashback, referral bonuses, multi-currency options, faster transfers, account manager access, and VIP perks. Availability varies by country and can change. 

When can I redeem MiPoints?

MiRewards may be redeemed once you reach 5,000 MiPoints
You can redeem your reward once you have reached 5,000 MiPoints. Rewards may include eVouchers, cashback, and partner offers; all redemptions are subject to availability. Redemptions are final unless cancelled due to error or fraud. 

Who is responsible for partner rewards?

Partners are responsible for their goods and services. We are not responsible for delivery or quality except where required by law. 

Do points expire?

MiPoints expiry will take place on December 31st of the following calendar year from the year in which the points were awarded. For avoidance of doubt, all points earned during this calendar year will expire on the 31st December next year.
If your account has no qualifying transactions for 12 months, we may deactivate membership and forfeit unredeemed points. Opting out also forfeits points. 

Will there be special promotions?

Yes, we may run targeted or time-limited promotions with bonus points or rewards. You’ll hear about these through email, push or in-app notifications. Each promotion has its own rules and limits, and we may change or withdraw them at any time

Do I need marketing preferences enabled to get promotional rewards?

Some promotional rewards campaigns require you to keep marketing preferences enabled. These channels (email, push, in-app and SMS) are controlled within your account settings. If you disable them during the promotional period, you withdraw from that promotion and forfeit pending rewards. Essential service messages about your account may still be sent. Availability depends on local law. 

Will you contact me about MiRewards?

We may send service messages about points, tier, or rewards. We handle your data under our Privacy Policy and local data-protection laws. Where required, we will get your consent for marketing. 

Are there country-specific rules?

Yes. Some features or rewards may not be available in certain countries. We may exclude sectors or transactions to comply with local regulations and sanctions. Void where prohibited. 

Can the programme change or end?

Yes. We may change MiRewards, these FAQs, or the available rewards. If a change is unfavourable, we will give notice where the law or your account terms require it. We may suspend or end MiRewards, including immediately where required by law or for misuse or security reasons. 

What happens if my eWallet is closed or restricted?

If your account is closed or restricted your MiRewards membership ends and any unredeemed points may be forfeited. 

Do I need to handle taxes?

Rewards or cashback may be taxable. You are responsible for any taxes in your country. 

How may I receive help or register a complaint?

Use the in-app Help Centre or the contact channel in your account. Your local complaint and dispute rules in your account terms still apply. English is the controlling language for the programme.