How to earn money by inviting friends to N26?

Please note: in order to receive your reward, your friend must perform a first card transaction (i.e. in-store purchase, ATM withdrawal or online payment - PayPal excluded) worth at least the value of the referral bonus. The reward may take up to 60 days to be credited into your account.

You can start inviting friends as soon as you have access to your account.

To know the amount you can get per referral, simply access the Refer friends section:

  1. Log into the N26 app.
  2. From the Home screen, go to the Explore tab (mobile app) or My account 👤 (N26 Web app).
  3. Select Refer friends.
  4. Tap on your Referral Code to copy it and select one of the options available for sharing.
  5. Optionally, you can write a message to your friend or use the default. Tap Send!

To receive your reward your friend must meet all our requirements:

  • Complete their sign up using your referral link or personal code.
  • Complete a first Mastercard transaction worth at least the value of the referral reward. The qualifying transaction can be an in-store purchase, an ATM withdrawal or an online payment (except PayPal).

Once your friend has fulfilled the requirements, you'll receive the bonus within 60 days. You can check the status of your referral bonus in the mobile app or N26 Web.

In total, you can get up to €1500 out of referrals.

If your referral bonus hasn’t arrived yet, we’ve also collected a few reasons why.

*The link does not expire and it can be used at any time. Personal invite codes and links should only be used for personal and non-commercial purposes. This means you can share your invite link with your personal connections via social media as long as you are the primary content owner. N26 has the right to cancel the referral program at any time.

You can find more information in the Refer a Friend Program T&Cs (new tab).