Friend Referral 2160x1116 Rhubarb (US)

Refer friends and bank together with N26

N26 is even better with friends. From splitting bills to paying your frend back for dinner, all it takes is a couple of taps to send money to your friends and family who bank with N26.

  • 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.

  • You’ll earn a reward

    After your friend makes a qualifying purchase of at least $10, we’ll deposit $10 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.)

No hidden fees, no problem

Why should your friends bank with N26? Everyone deserves an account with no sneaky hidden fees, no maintenance charges, and no insufficient funds fees. And it only takes 5 minutes to sign up.

Frequently asked questions

Are you a university student? Check out our Student Brand Ambassador Program.

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.