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.

An elevated hand holding two N26 Visa cards against a beige background.
Two women at pool eating melon.

A good friend will lend you some money. A great friend will introduce you to us and make sure you’re set for ALL future financial woes. Until the end of July, you'll receive $20 for every friend you refer, and your friend will get $10. Sign up and start sharing.¹

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

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

  • 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).

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.)

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.

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

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; AND 3) After your referred friends have met the requirements, we'll deposit the $10 bonus into your account within three business days after the new user has completed the necessary qualifying purchase. You can receive up to $400 per calendar year in bonuses. This reward is only valid if your friend successfully signs up between July 7 - July 31, 2020. After that, the reward will return to $10 per successful invite. 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.