Is referwallet.com safe?
http://referwallet.com/
Checked on
How we checked
Coverage: strong · 3 of 4 applicable core capabilities
- Antivirus (60 of 92 engines answered) · saved result: did not fully complete
- Google Safe Browsing: completed
- page reading: completed
- page capture: completed
- domain records: completed
- web research: completed
Refer Wallet is a real-looking student-referral app tied to TGM Education, but a stale antivirus phishing flag and unverified payout terms keep it out of the safe range.
Refer Wallet presents itself as a mobile app from TGM Education that pays users for referring students to partner universities, with a claimed reward of up to ₦150,000 per successful enrollment. The site shows a Lagos address, a domain email and a phone number, and the domain is over six years old. Against that, one antivirus family recorded a phishing flag in a stale observation, and the payout terms are written in dense legal language that leaves the timing and conditions of payment unclear. The site is not a confirmed scam on the evidence available, but the combination of a phishing flag and an unverified money-referral model justifies a Moderate Risk score.
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Where this site sits
- Dangerous1–20
- High Risk21–44
- Moderate Risk45–69
- Low Risk70–84
- Safe85–100
The score combines saved evidence strength and analysis quality. Coverage is reported separately.
Why 62/100
Moderate Risk covers scores 45–69. 1 finding pulled the score down; 3 pushed it up.
What pulled the score down
- Strong1 independent antivirus family reported an adverse result. This comes from a saved antivirus observation rather than a new submission, so treat the detection as real but confirm the timing.-3 pts
What pushed the score up
- SupportsThe site lists a domain email, a Nigerian phone number and a physical Lagos address.
- SupportsThe domain is over six years old, which is consistent with an established operation.
- SupportsThe browser threat feed returned no threat warning and the TLS certificate is valid.
Points come from the saved evidence ledger: it lowered the score from 65 to 62 and split those 3 points between the findings that show points; the others carry no points in the ledger. Community reviews never change the Safety Score.
01 · Investigation Brief
Investigation Brief
Refer Wallet presents itself as a mobile app from TGM Education that pays users for referring students to partner universities, with a claimed reward of up to ₦150,000 per successful enrollment. The site shows a Lagos address, a domain email and a phone number, and the domain is over six years old. Against that, one antivirus family recorded a phishing flag in a stale observation, and the payout terms are written in dense legal language that leaves the timing and conditions of payment unclear. The site is not a confirmed scam on the evidence available, but the combination of a phishing flag and an unverified money-referral model justifies a Moderate Risk score.
A referral app for a study-abroad agency
The site describes Refer Wallet as a mobile app by TGM Education that connects people to partner universities and lets them earn rewards for referring students. The terms page confirms the commercial arrangement: users act as referrers for TGM Education, which pays a one-time referral fee of up to $200 for each student who enrolls at a partner institution.
The main call to action is to download the app from the App Store or Google Play, register with an email, Google or Apple ID, and start referring students. The site advertises earnings of ₦150,000 per successful enrollment with no limits and no experience needed.
The operator identity is disclosed as TGM Education, with a physical address at 1 Harold Shodipo Crescent, Ikeja GRA, Lagos, a domain email (info@referwallet.com) and a Nigerian phone number. The site also links to TGM Education and TGM Pathway School, which is consistent with a real agency group rather than an anonymous storefront.
Clean technical checks, but an unresolved phishing flag
The technical picture is mostly clean: the browser threat feed returned no threat warning, the TLS certificate is valid, and the hosting IP has an abuse confidence score of 0/100. The domain is 2289 days old, which is a supportive signal of continuity.
However, one independent antivirus family recorded an adverse result, with Fortinet listed as flagging the domain as phishing in a stale observation. That detection is not confirmed by current scans, but it is directly relevant because the site asks users to register with personal identifiers and to receive money through an app. Until the flag is resolved, the operator's data-handling and payout practices should be treated as unverified.
Payout terms are conditional and hard to verify
The terms state that a referral fee becomes payable only after a referral reaches the status of a successful lead and TGM Education receives its commission from the partner institution. Payment is then remitted to Refer Wallet. That sequencing means the user is paid downstream of the agency's own collection, and the site does not show a clear timeline or dispute process on the reviewed pages.
The advertised figure of ₦150,000 per enrollment and the terms' cap of $200 are not reconciled on the reviewed pages, and the site does not show independent reviews or a track record of payouts. This is not proof of a scam, but it is a reason to confirm the payment terms in writing before investing time in referrals.
Why the score is 62
1 independent antivirus family reported an adverse result. This comes from a saved antivirus observation rather than a new submission, so treat the detection as real but confirm the timing. Coverage remains separate so missing sources cannot be mistaken for clean results.
02 · Security Evidence
Security evidence
Antivirus Engines
3/ 92
detectionsSaved analysis from September 29, 2026 - stale
3 engines flagged this URL
Every saved adverse engine is listed below. The full provider matrix remains available for audit.
- Malicious
- 1
- Suspicious
- 2
- Total
- 92
| Engine | Finding |
|---|---|
| FortinetMalicious | phishing |
| alphaMountain.aiSuspicious | suspicious |
| GridinsoftSuspicious | suspicious |
All 92 engine results
- Fortinet - phishing - Malicious
- alphaMountain.ai - Suspicious
- Gridinsoft - Suspicious
- 0xSI_f33d - Unrated
- Abusix - Clean
- Acronis - Clean
- ADMINUSLabs - Clean
- AILabs (MONITORAPP) - Clean
- AlienVault - Clean
- AlphaSOC - Unrated
- Antiy-AVL - Clean
- ArcSight Threat Intelligence - Unrated
- AutoShun - Unrated
- Bfore.Ai PreCrime - Unrated
- BitDefender - Clean
- Bkav - Unrated
- BlockList - Clean
- Blueliv - Clean
- Certego - Clean
- ChainPatrol - Unrated
- Chong Lua Dao - Clean
- CINS Army - Clean
- CRDF - Clean
- Criminal IP - Unrated
- CSIS Security Group - Unrated
- CTX AI - Clean
- Cyan - Unrated
- Cyble - Clean
- CyRadar - Clean
- desenmascara.me - Clean
- DNS8 - Unrated
- Dr.Web - Clean
- EmergingThreats - Clean
- Emsisoft - Clean
- Ermes - Unrated
- ESET - Clean
- ESTsecurity - Clean
- Forcepoint ThreatSeeker - Clean
- Fortra - Unrated
- G-Data - Clean
- GCP Abuse Intelligence - Unrated
- Google Safe Browsing - Clean
- GreenSnow - Clean
- GreyNoise - Unrated
- Guardpot - Unrated
- Heimdal Security - Clean
- Hunt.io Intelligence - Unrated
- IPsum - Clean
- Juniper Networks - Clean
- K7AntiVirus - Unrated
- Kaspersky - Clean
- LevelBlue - Clean
- Lionic - Clean
- Lumu - Unrated
- Malwared - Clean
- MalwarePatrol - Clean
- MalwareURL - Unrated
- Mimecast - Unrated
- Netcraft - Unrated
- OpenPhish - Clean
- PhishFort - Unrated
- Phishing Database - Clean
- Phishtank - Clean
- PREBYTES - Clean
- PrecisionSec - Unrated
- Quick Heal - Clean
- Quttera - Clean
- Rising - Clean
- SafeToOpen - Unrated
- Sangfor - Clean
- Sansec eComscan - Unrated
- Scantitan - Clean
- SCUMWARE.org - Clean
- Seclookup - Clean
- Snort IP sample list - Unrated
- SOCRadar - Unrated
- Sophos - Clean
- StopForumSpam - Clean
- Sucuri SiteCheck - Clean
- Synthient - Unrated
- ThreatHive - Clean
- URLhaus - Clean
- URLQuery - Unrated
- Viettel Threat Intelligence - Clean
- VIPRE - Unrated
- ViriBack - Clean
- VX Vault - Clean
- Webroot - Clean
- Xcitium Verdict Cloud - Clean
- Yandex Safebrowsing - Clean
- ZeroCERT - Clean
- ZeroFox - Unrated
How security vendors categorise this site
- alphaMountain.aiScam/Illegal/Unethical, Suspicious
- Forcepoint ThreatSeekerfinancial data and services
- Googleeducation
Each vendor’s own label for the site, saved with the antivirus result. Labels are separate from the engine verdicts above and can disagree with each other.
Security Scans
Checked against the browser threat feeds available to this scan — no hit.
What we observed
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Visual context from the captured page
Get paid for helping others study abroad
What the captured page showed
1 observation- 01
Get paid for helping others study abroad
What the page says about itself
What the site says about itself, quoted from the pages we read. The site wrote these words; they are not our findings.
- Page title
Earn Money Referring Students to Study Abroad - Refer Wallet
- Meta description
Earn money online by referring students to study abroad. Get ₦150,000 per referral with Refer Wallet, no experience needed!
Pages we read
- Main page/Read
- About page/about-us/Read
- Terms/terms-of-use/Read
- Contact page/contact/Read
03 · Investigation Story
Investigation story
What the site claims
Earn Money Referring Students to Study Abroad - Refer Wallet
What we observed
The page content was captured and checked alongside 60 antivirus results.
What independent research found
The search completed without a material external warning or corroborating report.
What remains unverified
1 of the 4 applicable core capabilities did not complete, so those gaps remain visible in the coverage ledger.
What kind of site and risk is this?
Threat category
No threat category confirmed
Service and business model
Saas
Observed behavior
Evidence behind this classification
- 011 independent antivirus family reported an adverse result. This comes from a saved antivirus observation rather than a new submission, so treat the detection as real but confirm the timing.
- 02The domain is over six years old, which is consistent with an established operation.
- 03The site lists a domain email, a Nigerian phone number and a physical Lagos address.
Web research findings
Independent findings for referwallet.com, including public complaints, named review sources, registration records, and look-alike-domain evidence. A missing result is shown as unverified, never converted into a clean bill of health.
No independently sourced scam reports or credibility records were found for referwallet.com. That is common for new or low-traffic sites and does not clear the site.
Reputation Sources
How this domain rates across independent threat-intelligence and blocklist providers.
04 · Domain & Infrastructure
Domain & infrastructure
The plumbing behind the site — who registered it, how it’s encrypted, where it’s hosted, and where it links out. A valid certificate or a calm server doesn’t mean the business is honest — scam sites pass these checks too. Use this to corroborate the verdict, not to overturn it.
Infrastructure map
How the saved page connected to the wider web.
- Domainreferwallet.com
- Redirects toreferwallet.com
- Hosted byNamecheap, Inc.
- Referencesgmpg.org · google.com
Domain Timeline
- Jul 16, 2020Domain registered
First appeared in WHOIS records — 6 years old when this review was saved.
- Oct 23, 2026Saved security review — Rated Moderate Risk
The evidence in this saved scan is mixed or incomplete; the completed checks are detailed above.
Contact Verification
Saved contact details can help identify the operator. Their presence supports traceability; it does not prove the business is trustworthy.
- Contact email on the site's own domain (info@referwallet.com).
- Phone number listed (+234 809 471 1223).
Domain & Encryption
Certificate issued for referwallet.com.
Payment providers the page loads
None seen among the outside domains we saved.
Read from the first 20 outside domains the page loads and the shop platform it uses; the web server and platform rows are under Hosting & Technology. A payment script on the page does not prove the shop accepts that method at checkout, or that you are protected.
Redirect Chain
- 1301http://referwallet.com/
- 2200https://referwallet.com/
Server Reputation
Referenced Domains
Outbound domains this page links to or loads resources from. Each links to its own security scan.
05 · Evidence Ledger
Evidence ledger
- Antiviruspartial
- Browser threat feedcomplete
- Page contentcomplete
- Analysiscomplete
- Visual evidencecomplete
The conclusion is supported by the evidence saved with this report.
Technical threat
suspiciousMalware, phishing, credential theft and hostile infrastructure.
1 independent antivirus family reported an adverse result. This comes from a saved antivirus observation rather than a new submission, so treat the detection as real but confirm the timing.
Operator / customer risk
unknownComplaints, withdrawals, business conduct and commercial traps.
No confirmed evidence in this dimension.
Source coverage and freshness
Status shows whether usable evidence was saved; finding shows what that evidence observed.
| Source | Result | Completion | Finding | Freshness |
|---|---|---|---|---|
| Antivirus | 3 of 92 engines flagged | Limited | Adverse | stale fallback · analysed Sep 29, 2026 |
| Browser protection | No browser threat-list match | Completed | No adverse finding | this scan · Oct 23, 2026 |
| Page content | Page fetched · HTTP 200 | Completed | No adverse finding | this scan · Oct 23, 2026 |
| Visual evidence | 1 visible observation saved with the page capture | Completed | No adverse finding | this scan · Oct 23, 2026 |
| Independent research | The search completed without a material external finding | Completed | No adverse finding | this scan · Oct 23, 2026 |
- Antivirus
- Result3 of 92 engines flagged
- CompletionLimitedFindingAdverse
- Freshnessstale fallback · analysed Sep 29, 2026
- Browser protection
- ResultNo browser threat-list match
- CompletionCompletedFindingNo adverse finding
- Freshnessthis scan · Oct 23, 2026
- Page content
- ResultPage fetched · HTTP 200
- CompletionCompletedFindingNo adverse finding
- Freshnessthis scan · Oct 23, 2026
- Visual evidence
- Result1 visible observation saved with the page capture
- CompletionCompletedFindingNo adverse finding
- Freshnessthis scan · Oct 23, 2026
- Independent research
- ResultThe search completed without a material external finding
- CompletionCompletedFindingNo adverse finding
- Freshnessthis scan · Oct 23, 2026
07 · Safety FAQ
Safety FAQ
Common questions, answered directly from the scan data above — so the answers reflect the saved verdict and evidence in this report.
Is referwallet.com a scam or is it safe?
Is referwallet.com safe to use?
Has referwallet.com been flagged by antivirus engines?
Is referwallet.com on any phishing or malware blacklists?
How old is the referwallet.com domain?
Does referwallet.com have a valid SSL certificate?
Where is referwallet.com hosted?
How often is the referwallet.com report updated?
08 · Final Verdict
Final verdict
Refer Wallet is a real-looking student-referral app tied to TGM Education, but a stale antivirus phishing flag and unverified payout terms keep it out of the safe range.
Refer Wallet presents itself as a mobile app from TGM Education that pays users for referring students to partner universities, with a claimed reward of up to ₦150,000 per successful enrollment. The site shows a Lagos address, a domain email and a phone number, and the domain is over six years old. Against that, one antivirus family recorded a phishing flag in a stale observation, and the payout terms are written in dense legal language that leaves the timing and conditions of payment unclear. The site is not a confirmed scam on the evidence available, but the combination of a phishing flag and an unverified money-referral model justifies a Moderate Risk score.
09 · Community
Community
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