Refer a friend and earn a bonus

Did you know you can earn cash by introducing friends to the world of mobile banking? Here is why it pays to recommend N26: 

  • Get up to €1,500 paid directly into your bank account
  • An N26 account is all you need to get started 
  • Sharing your referral link is easy and straightforward
  • Enjoy innovative banking together with your loved ones 

Find more info in our Terms and Conditions.

Refer a friend in 4 simple steps

1. Share your link in seconds. Open your N26 app and go to ‘My account’ > ‘Useful actions’ > ‘Invite your friends’ to share your unique link via WhatsApp, email, and more.

2. Your friends open a brand new N26 account. Your friends can use your referral link to open an N26 bank account — it only takes a few minutes!

3. Get your bonus deposited into your N26 account. Once your friends have opened their account and made their first transaction, we’ll transfer your referral bonus.

4. Invite more friends and earn extra cash. You can share your invite link with multiple friends — and get up to €1,500 in referral bonuses.

8 minutes
to open a bank account
Deposit protection
of up to €100,000
A full banking license
since 2016
Customer support
7 days a week
N26 You Timeline Feature in App.

No N26 bank account yet? Open yours now to refer a friend!

Ready for better banking with innovative features that will simplify your life? With an N26 bank account, you can manage your money anytime, anywhere. The N26 app is beautifully simple and offers handy features built with you in mind — from sub-accounts to instant transfers to comprehensive insurance. Want to manage your money together with others or send money in a flash? Discover Shared Spaces, MoneyBeam, and much more with your 100% mobile bank.

Open N26 account

Love shared banking? Discover Shared Spaces!

Are you and your partner saving up for a dream purchase or special vacation Or are you managing shared household bills with your flatmates? Good news — Shared Spaces makes it easier than ever to manage money with partners, family, and friends. Create a Space with just a few taps and invite up to 10 other N26 users to your shared sub-account.

Instant payment.

Send and receive money in an instant

Sharing is caring, but personal bank details are better kept secret. MoneyBeam lets you instantly transfer and receive money right from your N26 contacts list. And because pictures speak louder than words, you can also send a matching GIF along with your reference. This way, you can pay your friend back for that dinner within seconds, while putting a smile on their face.

Learn about Instant payments

Splitting expenses just got easier

A night out with friends is a blast, but dealing with the “who-ate-what” portion of the evening certainly isn’t. But with N26’s Split the Bill feature, you can ease the tension with just a few taps in your N26 app. Simply pay with your N26 card, open your app, and add everyone you want to split the bill with. Do an even or custom split, and send out your money requests — it’s that simple!

Discover Split the Bill
Bill divided in 4 parts and split with 4 for people.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Open your 100% digital bank account in minutes

Discover the future of banking with N26. Check out our plans and find the one that’s right for you. Looking for a free bank account? Then try N26 Standard. Or maybe you’re on the lookout for a premium bank account with innovative features that help you save and budget? If so, N26 Smart might be for you. Open your N26 bank account in minutes right from your smartphone — no paperwork needed.

I’d like to refer a new customer. How does that work?

Invite friends and family members to N26 by opening your N26 app and tapping on ‘My account’ in the top right corner. Then scroll down to ‘Useful actions’ and select ‘Invite your friends.’ Simply tap ‘Share invite link’ to share it with your friends.

How much is the refer-a-friend bonus?

The bonus for a customer referral can vary, which is why we cannot mention a specific amount here. You can always see how much you can earn by heading to the Friend referrals section in the ‘Explore’ tab of your N26 app.

How do I receive my bonus?

Once you've successfully opened an N26 account and made a transaction greater than the bonus value, you'll be paid directly into your N26 account. Keep in mind that the reward process could take up to 60 days.

When will I receive my bonus?

Once your friends have successfully opened an N26 account and made at least one transaction that’s greater than the bonus value, you'll get your referral bonus deposited right into your N26 account. This process can take up to 60 days.

Referral links don’t expire and can be used anytime. Friend referrals which are initiated, but not complete after one year will be canceled. You can find more info here in the Terms and Conditions.

Is there a limit to the number of customers I can refer?

If you’d like to invite multiple friends to join N26, we have good news — you can receive up to €1,500 in total with the ‘refer-a-friend’ program at N26.

Please note: If you earn more than €256 in a calendar year with customer referral programs, this income is taxable.

Can I see the status of my referral in the N26 app?

You can check the status of your referral at any time in your mobile N26 app or the web app. Just head to the ‘Explore’ tab where you’ll find the ‘refer-a-friend’ section.

When my friends open an N26 account, do they receive a bonus, too?

The Terms and Conditions of N26's ‘refer-a-friend’ program may vary. In your N26 app you can find more information about the conditions that currently apply. Simply go to ‘My account’ > ‘Useful actions’ > ‘Invite your friends’ to see the details.

Where can I find the Terms and Conditions of the ‘refer-a-friend’ program at N26?

You can find the Terms and Conditions here.

If I have questions about N26’s friend referral program, where can I find answers?

Visit our Support Center to find answers to frequently asked questions. Wondering why you haven't received your bonus yet? Then check out our Support Center article with the most common reasons why. For more information on customer referrals, see our Terms and Conditions.

If you still need help, you can also reach out to our customer support team — we're here for you 7 days a week via the live chat in your N26 app.