Why hasn't my referral bonus arrived?

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(new tab) to check your reward status.

In most cases the referral bonus isn’t rewarded because the invited friend hasn’t made a first Mastercard transaction of 15 EUR. Please make sure to inform your friend of these requirements.

Keep in mind that the reward process could take up to 60 days.

N26 retains the right to withhold a reward in case of suspicious activity that violates the Terms and Conditions(new tab).

Currently, Friend referral rewards are only available for customers in Germany, Austria, Italy, France, Spain, Belgium, Luxembourg, Greece, Portugal, Ireland, the Netherlands, Finland, Estonia, Sweden, Switzerland, Norway, Denmark, Poland, Iceland and Liechtenstein.