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Twelve
Referidos Twelve: 10 € para cada uno + 15 € de bienvenida (2026)
Twelve ha abierto su waitinglist con 10 € reservados para quien invita y 10 € para el invitado por cada alta válida, sin límite. Los primeros 12.000 usuarios con email confirmado pueden reservar además 15 € de bienvenida. No es efectivo retirable: se destina a invertir en carteras Twelve.
¿Qué es Twelve?
Twelve es una app financiera española que prepara su lanzamiento para el 12 de diciembre de 2026. Planea ofrecer cuenta y tarjeta, saveback y carteras de inversión vinculadas a causas sociales.
Quick answer
Referidos Twelve de un vistazo
Last checked: 7 de octubre de 2026
- Status
- Active pre-launch waiting list
- Availability
- España · 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 de octubre de 2026
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¿Cómo funciona el programa de referidos de Twelve?
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.
¿Qué recompensas hay?
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 Bonuses must be invested in Twelve portfolios and cannot be withdrawn or transferred.
Cómo conseguir los bonos
- 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.
¿Dónde está disponible?
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.
¿Cuándo lanza Twelve y cuándo caducan los bonos?
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.
¿Cuándo se activan los referidos?
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.
Condiciones y excepciones importantes
- 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.
¿Merece la pena apuntarse?
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
Preguntas sobre Twelve
¿Qué es Twelve?+
Twelve es una app financiera española que prepara su lanzamiento para el 12 de diciembre de 2026. Planea ofrecer cuenta y tarjeta, saveback y carteras de inversión vinculadas a causas sociales.
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.
Fuentes oficiales
Verificado directamente en Twelve.
Published: 7 de octubre de 2026 · Last verified: 7 de octubre de 2026. ReferTree no está afiliado a Twelve. Twelve aún no se ha lanzado y puede modificar o cancelar los bonos antes del lanzamiento.