How does N26 referral work in 2026?

An N26 customer shares a link or code. The invitee opens a new account via that link, makes a qualifying card payment (minimum shown in the offer), and the bonus is paid within up to 60 days. On n26referral.com, the code is already in the official link.

Is the programme the same in every country?

Same principle (link, new account, card payment), but amounts and conditions vary by country and plan. Pick your market on this site (FR, DE, ES, IT, EN) for tailored content and links.

What referrer bonus amounts apply?

In the N26 app (indicative): Standard €25, Smart €40, Go €60, Metal €75 for referrers. Smart, Go or Metal may include a deferred portion after 3 months on a paid plan. Referrer cap: up to €1500 in total.

Which payments count?

Generally in-store or online purchases with the N26 Mastercard (physical or virtual), excluding PayPal. The exact minimum is shown in your N26 invitation.

Where is my referral code?

In the N26 app: Benefits → Invite friends. n26referral.com redirects to n26.com with the referral code applied.

How long until I receive the bonus?

Up to 60 days after all conditions are met.

Is this an official N26 website?

No. n26referral.com is independent. N26 is a trademark of N26 Bank SE.

Europe · independent guide (not affiliated with N26)

N26 referral: up to €75 referrer bonus

Open an account via the official n26.com link — your referral code is already applied. Amounts are indicative; the offer shown in the N26 app always prevails.

Mobile current account with no monthly fee (Standard plan)
Indicative referrer bonus: €25–€75 depending on the invitee's plan
For residents in eligible European markets

New customer offer

Up to 75€ bonus

Code benjamip9062

Chargement du compte à rebours…

Open my N26 account

Referral code benjamip9062 verified on …

Code already included in the link

After sign-up, a Mastercard payment (excluding PayPal) for at least the amount shown in the offer triggers the bonus, within up to 60 days.

Pique-nique au parc, consultation du téléphone — style de vie banque mobile N26 — Up to
75€^*
with referral
* Per current N26 offer
n26referral.com is an independent information site. Not affiliated with, endorsed, or sponsored by N26 Bank SE.

n26referral.com is an independent information site. Not affiliated with, endorsed, or sponsored by N26 Bank SE.

Three steps to your bonus

N26’s “Invite friends” programme pays referrers based on the invitee’s plan (Standard, Smart, Go or Metal) when conditions are met.

01
Sign-upReferral link or code
The invitee opens a new N26 account via your link or enters the code during registration.
02
€30+Qualifying card payment
At least one in-store or online purchase with the N26 Mastercard (virtual or physical), excluding PayPal, for the minimum amount shown in the offer.
03
≤ 60 dBonus payout
Once all conditions are validated, the bonus is credited to the eligible account — up to 60 days.

Bonus amounts

Indicative referrer amount based on the invitee's plan (as shown in the N26 app).

Their account	You receive
Metal	75 €
Go	60 €
Smart	40 €
Standard	25 €

For Smart, Go or Metal, any remaining amount may be paid once your friend keeps the paid account for 3 months and pays all Premium fees.

Estimate your referrer bonus

Indicative simulation based on the bonus table in the N26 app. The exact amount is always the live offer.

Parameters

Choose the invitee's plan and first card payment.

Invitee's plan

Metal €75, Go €60, Smart €40, Standard €25 (indicative for referrers).

First card payment (€)

Usually at least €30 to trigger the bonus.

Estimated result

Referral code benjamip9062

Referrer bonus (indicative)25 €

Open my account →

Indicative estimate only. Only the conditions shown by N26 in the app at sign-up are binding. This site does not guarantee any bonus. N26 referral support.

Four steps to use the referral

Step 1
Start from this page’s link
Buttons take you to n26.com with referral tracking applied. Check the code before you confirm.
Step 2
Download the app and verify your identity
Fully mobile journey: ID document, video selfie, and choice of Standard, Smart, Go, or Metal.
Step 3
Order and activate your card
The virtual card is ready immediately for a qualifying first payment.
Step 4
Make an eligible payment
Meet the minimum amount and exclusions (PayPal, etc.) in the current N26 terms.

Are you eligible?

Four quick questions — no account created on this site.

Questionnaire

4 answers are enough.

1. Are you 18 or older?

2. Do you live in a country where you can open an N26 account?

3. Do you already have an active N26 account?

4. Can you make a qualifying card payment after opening?

Mistakes that cost you the bonus

Signing up without link or code — referral won’t be linked.
Using PayPal for the first payment — usually not qualifying.
Opening a second N26 account — one bonus per invited person.
Trusting amounts from third-party sites — only “Invite friends” in the app counts.
Commercial use of the link (paid ads, coupon sites) — prohibited by N26.

Frequently asked questions

N26 referrals in Europe — English overview.

Ready to open your account?

Redirect to N26 — EU-licensed bank. No banking data is collected on this site.

Use N26 referral