Published 22 October 2026 · Updated 21 October 2026
October 2026: dated campaign, referrer tiers updated
I publish one post a month on where the N26 referral programme stands, without redoing the homepage (calculator, plan table, countdown). For October, in one line: the campaign shown here has a tight end date, and the bonus does not depend on clicking “open account” alone.
Where things stand
On n26referral.com, the homepage shows a campaign from 21 October 2026 to 31 October 2026 at 22:59 (Paris time). Referrer bonuses range from 25 to 75 € depending on the plan the invitee opens (Standard, Smart, Go, or Metal) — indicative figures from the “Invite friends” programme in the N26 app.
If you read this after that date, treat it as an October archive and check the live offer in the app or on n26.com. N26 may switch campaigns or change amounts without notice.
€75 in practice
The cap matches Metal: the referrer earns more if the invitee picks a paid plan and keeps it for as long as N26 requires. With Standard, the grid sits closer to 25 € — not a scam, just programme logic.
For the invitee, October is mostly practical: open via a link with the code already applied, finish identity verification, activate the card, and make at least one qualifying card payment (not PayPal) of at least 30 €. Without that step, there is no referrer bonus — and payout can take up to 60 days after everything is validated.
To simulate the bonus by plan, use the calculator on the homepage — that is what it is for, not to repeat every tier here.
If I opened an account this week
I would use this site’s link with code benjamip9062 already included, so I do not complete signup without referral attached to the file.
I would plan a first card payment as soon as the virtual card is active — often without waiting for the plastic. And I would re-read the minimum amount shown in the app: it can vary by market even when referrer tiers on this guide stay the same.
Last point: do not treat this site as official N26 support. If there is a dispute over a bonus, N26 decides; here I document what I checked on the landing and in the app when publishing.
What I control on our side
When N26 or we switch campaigns, I update dates on the homepage, re-check the n26.com link, and refresh “code verified” with today’s date. This October post is the human read; the homepage stays the technical reference.
If anything conflicts between this article and the N26 app, the app wins. You can email me if you spot an error on our side — I usually fix within 72 hours.
November
Next month I will recap here again: new end date, possibly different amounts, and what changed versus this late-October window. You do not need to wait for November if the offer suits you — but do not leave everything to the last minute on 31 October 2026 if your file is not ready: effective opening is not the click on “sign up”.