$5 referral; cashback became phone credit

Dosh.nz Referral Code

Q: Is this the cashback app I have heard of?

Probably not. Two completely separate companies are called Dosh, and our page had merged them. Dosh.nz is an Auckland company founded in 2021, offering a mobile wallet and a Visa debit card with instant payments and money-management tools, and its referral bonus is $5. Dosh (US) was a card-linked cashback app where you linked a card and earned automatic cashback at participating merchants — it was acquired by Cardlytics in 2021 for $275 million and has since been shut down as a consumer app, with dosh.com now redirecting to cardlytics.com and the technology surviving only as a business-to-business service inside bank apps.

Q: So where did the $20 come from?

From the wrong company. Our record described the American mechanic — "$20 for each friend who signs up and links a verified credit or debit card" — under the New Zealand brand, and card-linking for automatic cashback is the US product's defining feature rather than the NZ wallet's. So this page had married a dead product's mechanics to a living company's name and quadrupled the reward along the way, which is the most complete form of the same-name contamination this review has found repeatedly — usually the wrong company is at least still trading.

Q: What changed in 2026?

Something that matters more than the referral, and which our record predated entirely: from 1 February 2026, Dosh.nz replaced its 1% cashback with a "1% Phone Dollars" programme, described as uncapped and redeemable toward One NZ phone upgrades. Read that as an instrument change and it is one of the sharpest this project has recorded — 1% cashback is money, spendable anywhere on anything, while 1% in Phone Dollars is a token redeemable with a single carrier toward a single category of purchase. The percentage did not change and the value did, which is exactly the kind of substitution a headline percentage hides.

Q: Is the 1% still worth anything?

It depends on one question: are you going to upgrade a phone with One NZ? If yes, uncapped 1% toward that is genuinely useful. If no — if you are on another network, or keep phones for years — the reward has effectively gone to zero while still being advertised as "1%". The general lesson is worth more than the $5: when a cashback programme changes its currency rather than its rate, the headline stays flattering while the offer changes completely, so always ask what a reward can be spent on rather than just how large it is.

Q: What should I check on a wallet product?

Who actually holds your money and whether it is protected, since a wallet is not automatically a bank. The FX and overseas-spending fees, which are where debit cards differ most. Any monthly or inactivity fee. How disputes and chargebacks are handled, since a non-bank issuer's process can differ from a bank's. And whether rewards expire, which is the term most often omitted from marketing and most often present in the terms.

Dosh.nz pays $5 a referral rather than $20, is a New Zealand wallet rather than the shut-down US cashback app, and replaced its cashback with phone-upgrade credit in 2026

Dosh is an Auckland-based mobile wallet and Visa debit card offering instant payments and money management, founded in 2021.

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Genie Says

Two unrelated companies are called Dosh, and our page merged them: Dosh.nz is an Auckland wallet and Visa debit card founded in 2021 whose referral is $5, while the US Dosh was a card-linked cashback app acquired by Cardlytics in 2021 and since shut down as a consumer product. Our record printed the American mechanic — $20 for linking a verified card — under the New Zealand name, marrying a dead product to a living company and quadrupling the reward. A bigger change went unrecorded too: from 1 February 2026 Dosh.nz replaced its 1% cashback with 1% "Phone Dollars" redeemable toward One NZ phone upgrades, so the rate stayed and the currency changed — which is exactly what a headline percentage hides.

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⚠️⚠️ $5 — ✅ NOT $20. The $20 and the card-linking condition came from the unrelated US Dosh app, which has been shut down.per successful referral*

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How to Use a Dosh.nz Referral Code

Know which Dosh this is

Dosh.nz is an Auckland wallet and Visa debit card. The US Dosh was a card-linked cashback app, acquired by Cardlytics and since shut down.

Expect $5, not $20

The $20 and the card-linking requirement both came from the American product, not this one.

Check what the 1% now buys

From February 2026 cashback became Phone Dollars redeemable toward One NZ phone upgrades — the rate stayed, the currency changed.

Ask what a reward can be spent on

When a programme changes its currency rather than its rate, the headline stays flattering while the offer changes completely.

Reward Details

Your Reward: ⚠️ A referral bonus applies on sign-up with a code — ✅ reported at $5, not the $20 our record claimed.
Referrer Reward: ⚠️⚠️ $5 — ✅ NOT $20. The $20 and the card-linking condition came from the unrelated US Dosh app, which has been shut down.
Minimum Purchase: ⚠️ Sign-up with a referral code. ✅ The "link a verified credit or debit card" condition described a different company's product.
Validity: ⚠️⚠️⚠️ FROM 1 FEB 2026 the 1% cashback became 1% PHONE DOLLARS, redeemable toward One NZ phone upgrades rather than as money.
Available In: New Zealand
Referral Limit: Not established.
Payout Time: Not established.
Eligibility: ⚠️ NEW ZEALAND. ✅ Dosh.nz is an Auckland company founded in 2021 — unrelated to the US Dosh acquired by Cardlytics.

Why Choose Dosh.nz?

⚠️⚠️⚠️ A dead app's mechanic on a live company's name

Our page described US Dosh's card-linking under the NZ brand — and the US consumer app no longer exists.

⚠️⚠️ $5, not $20

A fourfold overstatement, imported along with the wrong company's product description.

⚠️⚠️⚠️ Cashback became phone-upgrade credit

From 1 February 2026, 1% cashback became 1% Phone Dollars redeemable toward One NZ upgrades. Same percentage, different currency.

✅ The lesson beats the reward

When a programme changes its currency rather than its rate, ask what the reward can be spent on, not just how large it is.

About Dosh.nz

Two unrelated companies are called Dosh. Our page described the American one, which no longer exists, under the New Zealand one's name.

⚠️⚠️⚠️ TWO COMPLETELY SEPARATE COMPANIES ARE CALLED DOSH, AND OUR PAGE HAD MERGED THEM.

• ✅ **DOSH.NZ IS AN AUCKLAND COMPANY FOUNDED IN 2021, OFFERING A MOBILE WALLET AND A VISA DEBIT CARD WITH INSTANT PAYMENTS AND MONEY-MANAGEMENT TOOLS. ITS REFERRAL BONUS IS $5.
• ⚠️⚠️ **DOSH (US) WAS A CARD-LINKED CASHBACK APP — YOU LINKED A CARD AND EARNED AUTOMATIC CASHBACK AT PARTICIPATING MERCHANTS. IT WAS ACQUIRED BY CARDLYTICS IN 2021 FOR $275 MILLION AND HAS SINCE BEEN SHUT DOWN AS A CONSUMER APP; dosh.com now redirects to cardlytics.com, and the underlying technology survives only as a business-to-business service inside bank apps.**

⚠️⚠️ OUR RECORD DESCRIBED THE **AMERICAN MECHANIC — "$20 for each friend who signs up and LINKS A VERIFIED CREDIT OR DEBIT CARD" — UNDER THE NEW ZEALAND BRAND. ✅ CARD-LINKING FOR AUTOMATIC CASHBACK IS THE US PRODUCT'S DEFINING FEATURE, NOT THE NZ WALLET'S.**

✅✅ SO THIS PAGE HAD MARRIED A DEAD PRODUCT'S MECHANICS TO A LIVING COMPANY'S NAME, AND QUADRUPLED THE REWARD ALONG THE WAY. ⚠️ IT IS THE MOST COMPLETE FORM OF THE SAME-NAME CONTAMINATION THIS REVIEW HAS FOUND REPEATEDLY — USUALLY THE WRONG COMPANY IS AT LEAST STILL TRADING.

⚠️⚠️⚠️ AND THERE IS A RECENT CHANGE THAT MATTERS MORE THAN THE REFERRAL, WHICH OUR RECORD PREDATED ENTIRELY: **FROM 1 FEBRUARY 2026, DOSH.NZ REPLACED ITS 1% CASHBACK WITH A "1% PHONE DOLLARS" PROGRAMME, DESCRIBED AS UNCAPPED AND REDEEMABLE TOWARD ONE NZ PHONE UPGRADES.**

✅✅ READ THAT AS AN INSTRUMENT CHANGE AND IT IS ONE OF THE SHARPEST THIS PROJECT HAS RECORDED. **1% CASHBACK IS MONEY, SPENDABLE ANYWHERE, ON ANYTHING. 1% IN PHONE DOLLARS IS A TOKEN REDEEMABLE WITH A SINGLE CARRIER, TOWARD A SINGLE CATEGORY OF PURCHASE. ⚠️ THE PERCENTAGE DID NOT CHANGE AND THE VALUE DID — WHICH IS EXACTLY THE KIND OF SUBSTITUTION A HEADLINE PERCENTAGE HIDES.**

⚠️ Whether it is worth anything to you now depends on one question: **are you going to upgrade a phone with One NZ? ✅ IF YES, UNCAPPED 1% TOWARD THAT IS GENUINELY USEFUL. ⚠️⚠️ IF NO — IF YOU ARE ON ANOTHER NETWORK, OR KEEP PHONES FOR YEARS — THE REWARD HAS EFFECTIVELY GONE TO ZERO WHILE STILL BEING ADVERTISED AS "1%".**

✅ THAT IS THE GENERAL LESSON, AND IT IS WORTH MORE THAN THE $5: WHEN A CASHBACK PROGRAMME CHANGES ITS **CURRENCY RATHER THAN ITS RATE, THE HEADLINE STAYS FLATTERING WHILE THE OFFER CHANGES COMPLETELY. ⚠️ ALWAYS ASK WHAT THE REWARD CAN BE SPENT ON, NOT JUST HOW LARGE IT IS.**

⚠️ THE PRACTICAL CHECKS ON ANY WALLET-AND-CARD PRODUCT: ✅ who actually holds your money and whether it is protected — a wallet is not automatically a bank; the FX and overseas-spending fees, which are where debit cards differ most; any monthly or inactivity fee; how disputes and chargebacks are handled, since a non-bank issuer's process can differ from a bank's; and whether rewards EXPIRE, ⚠️⚠️ WHICH IS THE TERM MOST OFTEN OMITTED FROM MARKETING AND MOST OFTEN PRESENT IN THE TERMS.