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Refer friends and bank together with N26

N26 is even better with friends. From splitting bills to paying your half of the pizza, all it takes is a couple of taps to send money to your contacts. Sign up to N26 for a unique referral code and earn a bonus when you introduce others to the world of mobile banking. You can find more info here in the Terms and Conditions.
Open bank account
Three friends smile while enjoying breakfast at a café table, overlaid with a mobile notification from N26 stating, "You received 100 €".

Share your unique invite code

Open the Friend Invite screen in settings or by tapping the 'gift box' icon or N26 settings. Simply copy the code and share it.

Your friend signs up to N26

If your friends signs up to N26 using your link, our system automatically recognizes the code and flags this on your scoreboard.
icon - comic speech bubble with one heart.

You earn a reward

Once your friend uses their N26 Mastercard for the first time, we’ll deposit a cash bonus into your account.

Spaces and friends

Spaces is the free in-app tool that uses sub-accounts to make budgeting and reaching money goals even easier. Keep an eye out for new features that make it possible to reach those goals together...
Open online bank account
N26 You Spaces Overview in App.

MoneyBeam instant transfers

Sharing is caring, but personal bank details are better kept secret. MoneyBeam lets you instantly transfer and receive money using nothing more than your N26 contacts list.
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Frequently Asked Questions

  • You can always see how much you’ve earned by heading to the Friend Invite section of the N26 app. If you’re using an iPhone, you can get to this section by tapping on the gift box icon. For Android users, this section is located within the app settings.
  • First, make sure your friend has met all of the necessary requirements — they must complete their sign up using your referral link or personal code. Then they need to make one qualifying purchase (outlined in the T&C's).
  • Your link doesn’t expire and can be used whenever you want. Any friend referrals which are initiated but are still pending will be deleted after one year. You can find more info here in the Terms and Conditions.
  • Once your friend has completed all the eligibility criteria of our Refer a Friend Program, we'll verify your reward. You can always sign in to your account in the app or WebApp to check your reward status. Occasionally, it can take up to 60 business days for the reward to be processed.
  • You can start inviting friends as soon as you have access to your account using the N26 app or on the web. Log in and select the 'gift box' icon (iOS users) or find Friend Referral in the Account settings menu (on Android). Tap on your referral code to copy it or select Tell a Friend then send it to them using one of the options available.
  • It can take N26 time to process and register your referrals. Once they’ve signed up and verified their identity, they will appear on the scoreboard of successful invites.