Spain and other supported countries
N26
N26 Referral Program: bonus, requirements and timing
N26 shows eligible customers the applicable referral amount in the app. The friend must sign up through the link and make a first Mastercard payment at least equal to the bonus amount.
What is N26?
N26 is a digital bank that provides app-based current accounts, cards and related banking features in supported European markets. Customers manage most everyday banking directly from the N26 app.
Quick answer
N26 at a glance
Last checked: September 8, 2026
- Status
- Active for eligible customers
- Countries
- Spain and other supported countries
- Referrer reward
- Variable amount; up to €1,500 total according to current program information
- Friend reward
- May vary; check the in-app offer
- Reward type
- Account bonus
- Requirement
- Sign up through the link/code and make a first Mastercard payment at least equal to the bonus
- Limit
- Up to €1,500 total depending on the offer
- End date
- No fixed end date published
- Last verified
- September 8, 2026
Community referrals
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How does it work?
N26 shows eligible customers the applicable referral amount in the app. The friend must sign up through the link and make a first Mastercard payment at least equal to the bonus amount.
- 1
Share your referral link
In the app, open Benefits or My account > Invite friends.
- 2
Your friend signs up
The friend must use your link or code.
- 3
They make a first purchase
The purchase must be a Mastercard payment at least equal to the bonus.
Reward and limits
| Status | Active for eligible customers |
|---|---|
| Referrer reward | Variable amount; up to €1,500 total according to current program information |
| Friend reward | May vary; check the in-app offer |
| Main requirement | Sign up through the link/code and make a first Mastercard payment at least equal to the bonus |
| Limit | Up to €1,500 total depending on the offer |
| End date | No fixed end date published |
Countries and eligibility
N26 currently lists Germany, Austria and Spain for customers with available rewards.
Validation and payout
N26 says processing can take up to 60 days.
Is it worth it?
It is most useful when the friend already wants N26. The exact reward remains variable.
Invite friends
Partagez vos parrainages N26
Regroupez vos liens N26 avec tous vos autres parrainages.
Create my ReferTreeWhat is ReferTree?
ReferTree brings your referral links and codes together in one shareable profile.
FAQs
Practical N26 questions
What is N26?+
N26 is a digital bank that provides app-based current accounts, cards and related banking features in supported European markets. Customers manage most everyday banking directly from the N26 app.
Why can’t I see the invite option?+
Availability can depend on country, account type and the active offer. Make sure the app is up to date.
Can I add the code after signing up?+
The official criteria require signup through the referral link or code. Do not assume it can be added later.
What payment qualifies?+
A Mastercard purchase in-store or online, excluding PayPal, for at least the value of the bonus.
How long does the reward take?+
N26 says processing can take up to 60 days.
Is the amount fixed?+
No. It can vary by country, account type and seasonal offer.
Can I post the link anywhere?+
N26 describes personal, non-commercial sharing with personal contacts and owned content.
Official sources
Always check the amount shown in your N26 app because it can vary by country, account type and campaign.
Published: September 8, 2026 · Last verified: September 8, 2026. ReferTree is not affiliated with N26. Rewards and conditions can change.