N26 promo code - "Invite a friend" referral program 2025

Thinking about opening a fee-free online current account? With N26, you can pocket a cash reward 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. Pay for any single transaction equal to - or above - the minimum shown in the app, using the virtual card (or the physical card once it arrives). ATM withdrawals, top-ups and “quasi-cash” transactions don’t count.
4. Collect your bonus. N26 credits the cash within 60 days, in the currency of your account. Both you and your referrer get the reward.
   

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 triggered by a qualifying purchase made with the N26 card (virtual or physical). One qualifying payment per friend.
• Each customer can earn up to €1,500 per year in referral rewards.
• N26 may cancel rewards if it detects abuse, fraud or any breach of its terms.
• Pending referrals expire after 12 months if no qualifying purchase is made.

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!