N26 promo code: 35€ bonus (referral program 2026)

Thinking about opening a fee-free online current account?

With N26, you can pocket up to €35 signup bonus after your first card purchase - and the friend who referred you gets the same bonus, at zero cost to either of you.

How the N26 welcome bonus works

1. Use the invite link to start signing up - Download the N26 app (or visit the website) and make sure the referral code auto-fills.
2. Finish opening your account. Identity verification happens over a quick video call. You must be 18 + and live in a country where N26 operates.
3. Make your first purchase. Top up your account and make a transaction of at least €5 using your card (virtual or physical).
4. Collect your bonus. Once the transaction is confirmed, the bonus will be processed and credited to your account.
   

How much can you earn?

The bonus amount depends on the plan you choose when opening your account:

• Standard (Free): 5€
• Smart: 10€
• You (former Go): 20€
• Metal: 35€

_{Important Note: If you choose a paid plan (Smart, You, or Metal), you must stay subscribed for at least 3 months and pay the monthly fees in full to qualify for the campaign.}

Why people choose N26

• No monthly fees on the standard plan, plus a German IBAN.
• Global payments with Mastercard, Apple Pay and Google Pay.
• 100 % mobile banking: freeze your card, set up savings “Spaces”, get real-time push alerts.
• Earn interest on your balance - rates are competitive on certain tiers. Looking for alternatives? Check out the best savings accounts.
• German deposit protection up to €100,000 through the statutory guarantee scheme.

Key program rules

• The bonus is only valid for new customers.
• The first purchase must be a single transaction of €5 or more.
• ATM withdrawals or account top-ups do not count as qualifying transactions.
• N26 reserves the right to cancel rewards in cases of abuse, fraud, or violation of Terms.
• You can invite your own friends later and accumulate up to €500 in total referral bonuses.

Is it worth it?

If you’re after a straightforward digital account for everyday spending - and like the idea of instant cash back - this is one of the easiest ways to test-drive N26. Download the app, give it a go, and decide for yourself!