How the referral program works
Sharing Expats Club Germany is simple — and rewarding.
As a member, you can share your personal referral link with anyone you like: friends, colleagues, family… as many times as you want.
If someone uses your link to request or contract one of the available services, both of you earn points.
These points can later be exchanged for services available inside Expats Club Germany.
Copy your link
Share it
Earn your rewards
What happens step by step
You share your personal referral link.
Someone uses that link to request a service.
Once the contract is confirmed, points are added:
to your account (as the referrer)
and to the referred person
Points appear in the Wallet inside the member account.
Points can be used to request any available ECG service.
Please log in to access your referral link.
Points you can earn
| Service | You earn | Your friend earns |
|---|---|---|
| Private health insurance | 100 pts | 100 pts |
| Legal insurance | 50 pts | 30 pts |
| Retirement & savings plans | 100 pts | 50 pts |
| Home financing / mortgage | 100 pts | 50 pts |
| Home insurance | 50 pts | 50 pts |
| Savings plan for children | 50 pts | 50 pts |
Referral link
FAQ
Who can I share my referral link with?
Anyone you want. There are no limits — you can share it with as many people as you like.
How many times can I use my referral link?
As many times as you want. There is no maximum number of referrals.
Which services are included?
At the moment, the referral program applies to the services shown on this page.
New services may be added over time.
When are the points added?
Points are added once the contract is confirmed.
We first receive the request, and when the service is effectively contracted, the points are credited.
Where can I see my points?
You can see your points at any time in your Wallet, inside your personal member account.
What can I use the points for?
Points can be exchanged for any available service within Expats Club Germany.
Do points always have the same value?
The number of points awarded may change over time.
Point values are defined by ECG and may be adjusted depending on the service or campaign.
Does the referred person need an ECG account?
Yes — to use the points, the referred person needs to have an ECG account.
If they don’t have one yet, they can:
create an account at any time
receive their points
and use them whenever they want
Is there any obligation to contract a service?
No. Sharing the link or requesting information does not create any obligation.
Who provides the services?
All services are provided by Bramex e.K., a professional advisory firm specialised in:
Insurance solutions
Savings and pension planning
Financial guidance
Services specifically tailored to expatriates and foreign residents in Germany
Expats Club Germany is part of Bramex e.K. and was created to make this expertise more accessible to the international community.
What is the purpose of the referral program?
The referral program exists to help expatriates support other expatriates.
By sharing your link, you help others:
find professional and reliable advice
avoid costly mistakes
understand complex topics in a clear and transparent way
Is this a sales program?
No.
There is no obligation to contract any service.
The program is designed to reward real recommendations that lead to real help, not mass sharing or pressure.
Good to know
This program is based on trust and community.
Sharing your link helps others get reliable guidance — and rewards both sides when it leads to a real service.
Please share your link responsibly and only with people who may genuinely benefit from the services.