How has the Refer a Friend Program changed?

ℹ️ Applies to Germany, Austria, Ireland, France, Spain, Italy, the Netherlands, Belgium, Portugal, Finland, Luxembourg, Estonia, Greece, Poland, Sweden, Denmark and Norway

You receive €15 every time you successfully refer a friend to N26. On November 6th, 2018 we made a few changes to our Refer a Friend Program.

Before November 6th:

  • Maximum reward: Up to 10 friends max

  • Enable program: Once you complete 1 in-store transaction using your Mastercard

  • Invite: Via referral link

  • Reward payment: 2-3 days

After November 6th:

  • Maximum reward: Up to €1500

  • Enable program: As soon as you have access to your account

  • Invite: Via referral code*

  • Reward payment: Up to 60 days

We will keep both the new and the old programs running in parallel for another 90 days. In that time both referral links and referral codes will be accepted. The previous T&Cs will apply to those recent invites sent and pending in the old system (which can still be rewarded proven they fulfill all eligibility criteria). 

Regardless of when the invite was sent, the requirements remain the same. To receive your reward, your friend must: 

  • Complete their sign up using your referral link or personal code. 

  • Activate their Mastercard. 

  • Complete 1 (in-store, online, or ATM) transaction with their Mastercard worth a minimum of €15.  To invite friends: 

  • Log into the mobile app and select the gift icon. 

  • Tap Add friends (iOS) or Invite Friends (Android). 

  • Select a friend from your contact list or add a new one. If you’re adding a new contact, make sure you enter the phone number with the dialing code (for example, +491 instead of 01 for German numbers). 

  • Write a message to your friend or use the default then tap Send

Troubleshooting for previous invites (before November 6th): 

  • If your friend didn’t receive your link, just send another invite using their phone number instead of email or vice versa. 

  • If you’re adding a new contact, make sure you enter the phone number with the dialing code (for example, +49 instead of 01 for German numbers). 

  • You can check the status of your rewards after 06.11.2018 by signing into your account in the mobile or WebApp. Previous referrals will still be rewarded in the next 90 days. After that, they will become invalid (but you can send your friend a new invite via your new referral code. 

  • If you haven’t received your reward, it usually means your friend either didn’t activate their card or didn’t make a payment of min. €15 with their Mastercard. Please ensure that you notify your friend of these requirements in order to receive your reward.  N26 retains the right to withhold a reward in case of suspicious activity that violates theTerms and Conditions.