Refer a mate to Athena and score


for you



for them

Put more money in both your pockets, not the banks.

Benefits with friends

If you're an Athena customer, refer a friend and we'll pay you and your mate $250 each, when your friend settles. It's unlimited, so the more friends you refer, the more you can earn!

How to play

We thank
 you both

Once your mate settles, we’ll pop $250 into your Athena redraw or offset. Keep it in to pay down your loan faster, or take it out to have some fun.

Grab your

Check your email and SMS for your unique Ultimates code. 

Spread the love. Refer a mate

Tell your friends how good Athena is and share your code with them. There’s no limit to how many referrals you can make! Just remember they must be a new customer.

Your mate joins Athena 

They apply and include your code into their Athena application form.


How do I find my unique Ultimates code?

Check your email and SMS for your code. Can’t find it? No worries! Send us an email or SMS and we’ll let you know.

If you’ve just settled your Athena home loan, we’ll email and SMS your code within 7 days from your settlement date.

Can I refer as many people as I want?

Yes, absolutely! If you are super popular (which you probably are), there are no limits on the number of customers you can refer to us. We’ll pay you and your friend the bonus after they settle but not for each customer if they take out a joint loan.

What's an eligible referral?

An eligible referral is a new customer that has never settled an Athena loan before. They must submit an application with your Ultimates code and settle on an Athena loan.

What's not an eligible referral?
  • Your mate is not a new customer and has settled on an Athena loan before;
  • The second person on a joint loan;
  • If you refer yourself (sneaky);
  • When you refer someone who has already been referred by you or anyone else; or is already an Athena customer at the time of the loan settling or has submitted an application; or
  • Where there are any discrepancies between the details of the friends you referred and the Athena customer that settled.
When do I get my Ultimates Referral bonus?

Your bonus will be paid directly into your Athena redraw or offset account within 30 days of your friend’s settlement date. Once it’s there, it’s up to you what you do with it; transfer it or keep it in there and pay your loan down faster. For privacy reasons, we can’t disclose the status of your friend’s application but once they settle, we’ll get in touch!

I've run out of family and friends to refer. Can I refer a stranger?

Yes you can! The more the merrier! Here are some ways you can share your code:

  • Share your code on social media – add it to your IG bio or share it on FB!
  • Share your code on forums where you think people will be interested (just make sure you don't break any forum rules)
  • Tattoo on your forehead – no just kidding!
I've referred friends but I didn't get a bonus?

Most of the time this means your friend didn't submit their loan application with your unique code. Unfortunately, we can only provide the bonus when new customers apply and settle with your unique Ultimates code.

I haven't received my Ultimates Referral bonus.

We'll pay the bonus directly into your Athena redraw or offset account within 14 days of your friend's settlement date

What if I leave Athena? Will my code still be valid?

Ultimates codes are only valid for customers who have at least one open settled Athena home loan.


Athena reserves the right to amend, suspend or terminate the Ultimates Referral program at any time without notice. We will honour any valid referrals sent to us before we do so. We will not honour any referrals that are deemed by us, in our absolute discretion, to be unreasonable, unlawful, at risk of requiring an Australian Credit Licence or for any other reason we believe are not in the spirit of the Athena Ultimates Referral program. All other Athena Terms & Conditions remain valid and binding on you, and are not superseded by these Ultimates Referral Offer Terms. Thank you for reading all that, our lawyer will be happy.

We may have to cancel an “Ultimates Referral” bonus payment because:

  • We believe any of your access methods are fraudulent, or are suspected of being used in a fraudulent way
  • Your conduct is in breach of the terms and conditions
  • We have closed your account
  • We believe the security or quality of Athena’s products or related services are threatened
  • You have unpaid charges on your account

We retain the absolute right to stop the Ultimates Referral program at any time and to change the conditions or incentive of the Program.

Conditions for Referrers (Existing Athena Customers)

You must have at least one open settled Athena home loan to participate in the Ultimates Referral program and have your Ultimates code remain valid.

A $250 bonus payment will be paid to the referrer when the person they refer submits an Athena home loan application with their Ultimates code and becomes an Athena customer when their loan settles.

Conditions for Referees (Your Mate)

Referees must be new customers that have not settled an Athena home loan before. A $250 bonus payment will be paid to the referee when they submit an Athena home loan application with a Ultimates code and become an Athena customer when their loan settles. 

Ultimates Codes

Payment of referral bonuses associated with Ultimates codes will only be paid on settlement of the referee's (your mate's) Athena home loan and satisfaction of qualifying criteria as detailed above.

Ultimates codes may be cancelled at any time after they are issued, at our sole discretion. 

Last modified 21 June 2022. 







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