Self Bank Plan Amigo 2026: Up to €150 Each, Conditions and Deadline

Self Bank is Singular Bank's digital savings and investing brand in Spain, offering bank accounts, deposits, funds, pension plans and brokerage services. The Plan Amigo is for natural persons who are adults and resident in an EU country. The invited person must never previously have been involved in a Singular Bank account, including as holder, authorised user or legal representative. Eligibility is not the same as guaranteed account approval.

The official legal schedule pays both people €20 if the friend transfers at least €2,000 from another bank; €20 for three direct debits maintained for a year; €40 for purchasing or transferring at least €6,000 in investment funds and retaining the position for a year; €30 for €6,000 in pension plans retained for a year; and €40 for at least five equity or ETF trades. Together these make €150 gross per person. Completing only one action earns only its corresponding portion. The marketing landing page groups the first two €20 actions with an 'or', but the current legal PDF and FAQ itemise both; the signed terms take precedence.

1. 1

   Check your eligibility

   Confirm your Self Bank account has been operational for at least three months and held €300 every day during the previous three months.

2. 2

   Share your registered contact

   Give the friend the exact email address or mobile number recorded on your Self Bank customer profile.

3. 3

   Enter the referrer during onboarding

   The friend selects 'Me lo recomendó un amigo' and enters that contact when applying, or at first login with Self Now.

4. 4

   Complete qualifying activity

   Within 120 days of opening, complete only the deposit, direct-debit, investment or trading actions that make sense for you.

5. 5

   Track retention and payout

   Keep required positions/direct debits for a year, then check the gross bonus and withholding after the 120-day assessment.

The inviter must have a fully operational Singular Bank account for at least three months and must have held a minimum balance of €300 every day during the three months immediately before the friend's application. The friend must be a first-time Singular Bank customer and complete the identification and account-opening process. Use the inviter's exact registered email or phone; an absent, incorrect or ambiguous identifier can prevent automatic matching. Under the terms, the new customer may enter it during application or, when using Self Now, at first login.

• €150 is a maximum, not a guaranteed signup gift.
• A friend must be completely new to Singular Bank.
• Both people receive the same amount for each qualifying action.
• Referrer must meet the €300 daily minimum-balance rule.
• Bank funds must come from a different bank.
• A one-year commitment applies to direct debits, funds and pension plans.
• Incentives are taxable and paid after the 120-day review.
• The legal PDF uses a rolling 365-day cap, not simply a calendar-year reset.

The friend must request the account before 31 March 2027 and carry out eligible activity within the first 120 days after formal opening. The incentives are paid to Singular Bank accounts at the end of that 120-day period, not immediately after signup. Figures are gross: applicable withholding reduces the actual amount credited, and the reward can be relevant for personal income tax. The bank may extend the campaign, but do not assume an extension.

The three-direct-debit, investment-fund and pension-plan incentives require a minimum one-year retention period. If the invited person collects those rewards but fails the retention rules, the legal terms allow Singular Bank to reclaim the incentives from the friend's account. The qualifying money must originate at another bank. Five stock/ETF trades can incur transaction costs and investment losses; do not trade solely to chase a €40 reward.

The inviter can send unlimited invitations, but only the first ten qualifying referred customers in a rolling 365-day period generate a referrer reward. The eleventh and later eligible friends can still receive their own bonus, according to the legal terms. The theoretical maximum for the inviter is €1,500 gross across ten fully qualifying friends, not a guaranteed annual income.

Compare account terms, trading fees, tax treatment, investment risk and the opportunity cost of tying up funds for a year. If you only want an account, the €2,000 deposit milestone may be more relevant than buying investment products. Do not make an unsuitable pension contribution or trade five times for a small incentive. ReferTree is independent of Self Bank; check the latest legal PDF before committing.