Spanien
Twelve
Twelve Empfehlungsprogramm: Je 10 € + 15 € Willkommensbonus (2026)
Twelve hat seine Warteliste mit je 10 € pro gültiger Empfehlung eröffnet, ohne Einladungslimit. Die ersten 12.000 bestätigten Nutzer können zusätzlich 15 € reservieren. Die Boni sind nicht als Bargeld auszahlbar.
Was ist Twelve?
Twelve ist eine spanische Finanz-App mit geplantem Start am 12. Dezember 2026. Geplant sind Konto, Karte, Saveback und Anlageportfolios zu sozialen Themen.
Quick answer
Twelve referral at a glance
Last checked: 7. Oktober 2026
- Status
- Active pre-launch waiting list
- Availability
- Spanien · 18+
- Referrer reward
- €10 per qualifying friend
- Friend reward
- €10 + possible €15 welcome bonus
- Reward type
- Investment bonus; not withdrawable cash
- Main requirement
- Confirmed email; after launch account + KYC + first card payment
- Referral limit
- No maximum invitations
- End date
- 90 days after launch to activate
- Last verified
- 7. Oktober 2026
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Wie funktioniert das Twelve-Empfehlungsprogramm?
After joining the waiting list and confirming an email, each user gets a personal invite link. A valid referred signup reserves €10 for each side. Activation happens only after launch, account opening, identity verification and the first Twelve card payment.
Welche Prämien gibt es?
Each valid invite reserves €10 for each person. The first 12,000 confirmed waiting-list users can also reserve €15, so an eligible invited user can reserve €25. Bonuses must be invested in Twelve portfolios and cannot be withdrawn or transferred.
So erhältst du die Boni
- 1
Join and confirm
Join through an invite and confirm the email.
- 2
Invite friends
Share the personal Twelve link; there is no stated cap.
- 3
Activate after launch
Open the account, pass KYC and make the first card payment within 90 days.
Wo ist Twelve verfügbar?
The official waiting list is operated in Spain by Twelve Finance Services S.L. and is for people aged 18 or over. Initial launch activity has been announced for Madrid, Barcelona and Burgos.
Wann startet Twelve?
Launch is planned for December 12, 2026. Welcome and referral bonuses must be activated within 90 days after launch. Twelve may modify or cancel the waiting list and bonuses before launch.
Wann werden Boni aktiviert?
At waiting-list stage the bonus is only reserved. The invited user must open an account, pass identity verification and make a first card payment. The referrer must also have an open account.
Wichtige Bedingungen und Ausnahmen
- Waiting list is 18+ only.
- Email confirmation is required: one person, one email, one place.
- Bonuses are for Twelve investment portfolios, not withdrawable cash.
- The €10 invite bonus and €15 welcome bonus can be combined for eligible invited users.
- The €15 welcome bonus is limited to the first 12,000 confirmed users.
- There is no stated maximum number of invitations.
- Self-referrals and duplicate accounts do not count; fraudulent bonuses may be cancelled.
- Bonuses expire if not activated within 90 days after launch.
Lohnt sich die Anmeldung?
The uncapped €10-per-person referral is attractive, especially because eligible invited users can combine it with the €15 welcome bonus. But it is not cash today: Twelve has not launched and activation requires KYC, an account and card use.
What is ReferTree?
ReferTree brings referral links and codes together in one manageable profile.
FAQs
Twelve referral questions
Was ist Twelve?+
Twelve ist eine spanische Finanz-App mit geplantem Start am 12. Dezember 2026. Geplant sind Konto, Karte, Saveback und Anlageportfolios zu sozialen Themen.
What is Twelve?+
Twelve is a Spanish financial app scheduled to launch on December 12, 2026, combining an account and card with saveback and cause-linked investment portfolios.
Is Twelve already live?+
No. This is a pre-launch waiting list, not a payment account or financial product.
How much is the referral?+
€10 is reserved for the referrer and €10 for the invited person per valid invitation.
Can the invited person get €25?+
Yes, if they are also among the first 12,000 confirmed waiting-list users: €10 referral plus €15 welcome bonus.
Can I withdraw the bonus?+
No. It must be invested in Twelve portfolios and cannot be withdrawn or transferred.
What activates it?+
After launch: open the account, pass identity verification and make the first Twelve card payment.
Is there an invite limit?+
No maximum is stated in the current official terms.
Do I need to confirm my email?+
Yes. Email confirmation fixes the waiting-list place and is required for referral reservation.
Can I refer myself?+
No. Self-referrals and duplicate accounts do not count.
How long do I have?+
Bonuses must be activated within 90 days after launch.
Official sources
Verified directly with Twelve.
Published: 7. Oktober 2026 · Last verified: 7. Oktober 2026. ReferTree is not affiliated with Twelve. Twelve has not launched yet and may modify or cancel bonuses before launch.