• Locate your invite code

    Open the friend invite screen by tapping the gift box icon. Copy your code or share it via email, text, or social media.

  • Your friend signs up

    If a friend opens an account using your referral code, we'll recognize it automatically and show the invite in your scoreboard.

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    You’ll earn a reward

    After your friend makes a purchase of at least $10 with their N26 card¹ , we'll deposit $5 directly into your account. (And your friend will earn $5, too!)

MoneyBeam 700x700 (US).

Send and receive money instantly

Make instant, real-time transfers for free using MoneyBeam. Send, receive or request money from anyone who banks with N26. (And even thank them with an emoji.)

Frequently asked questions

How much do I get for referring a friend to N26?

For each person who opens an account via your referral code, you’ll earn a $20 cash bonus deposited directly into your N26 account, and your friend will be rewarded with a $10 bonus once they activate their card and use it to make a qualifying purchase of $20 or more.

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.

How do I invite friends to join N26?

You can start inviting friends as soon as you open your account by using your unique referral code located within the app.

How do I receive my referral bonus?

First, make sure your friend has met all of the necessary requirements. They must complete opening an account using your referral link or personal code. Then they need to fund their account, activate their N26 card, and use it to make a qualifying purchase, which is outlined in the terms and conditions.

Your link doesn’t expire and can be used whenever you want.

Why can’t I see who signed up in my scoreboard?

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.

¹ Referral bonus is available to account holders. To receive the $20 Refer-A-Friend bonus: 1) Refer friends to open a New N26 account with qualifying activities by providing them your personalized invite code; 2) Referred candidate must be a new N26 customer and open a N26 account with qualifying activities (make any purchase of at least $20 with their n26 card); AND 3) After your referred friends have met the requirements, we'll deposit the $20 bonus into your account within three business days after the new user has completed the necessary qualifying purchase. This reward is only valid if your friend successfully signs up between June 8-14, 2021. After that, the reward will return to the $10 bonus for you and $5 for your referees per successful invite. The Bank may change or cancel this bonus program at any time. You can receive up to $400 per calendar year in bonuses. Bonuses are considered miscellaneous income, and may be reportable to you and the IRS on Form 1099-MISC.

The N26 account is offered by Axos Bank®, Member FDIC. N26 Inc. is a service provider of Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. The N26 Visa® Debit Card is issued by Axos Bank pursuant to a license by Visa U.S.A. Inc. The N26 Visa Debit Card may be used everywhere Visa debit cards are accepted.