Fortuneo referral: how much can you really earn and how can you avoid the pitfalls? (2026)

Fortuneo is not a neobank founded in 2019. It is a French online bank founded in 2000 that came under Crédit Mutuel Arkéa's ownership in 2009. It has more than twenty years of experience, a genuine focus on investors (PEA, securities account, life insurance, Gold card) and a referral programme that reflects this approach: rewards depend on the value of the product opened rather than being a flat rate.

The table that decides everything

Brokerage rewards are separate from the card campaign: the official page checked on 1 October shows up to €80/€80 for a PEA or PEA-PME. The €30/€30 securities-account amount comes from the 20 September check and remains subject to conditions.

Two more figures to remember in addition to those in the table: the reward is paid 2 to 3 months after the account is opened, and the referrer is limited to 10 referred friends per year. This limit is unusual enough to be worth mentioning and, above all, Fortuneo publishes it openly. If you have a large network, plan ahead: beyond ten, additional referrals earn nothing until the following 1 January.

The €300 deposit within 6 days for Fosfo and Gold

For the Fosfo or Gold reward in the 1 to 31 October 2026 campaign, the referred friend must deposit at least €300 into their account within 6 days of opening it. Check this requirement before applying and arrange the transfer early enough to meet the deadline.

The solution is simple: warn your referred friend about this requirement before they open the account, not afterwards. Ideally, they should initiate the transfer on the day the account is opened. It is the only truly tricky step in the programme, and it is entirely avoidable with a timely reminder.

Life insurance has its own barrier to entry: a minimum initial payment of €1,000. This is higher, but the reward reflects it (€100 for the referrer, €120 for the referred friend), and the product is intended for a referred friend with a medium- to long-term savings plan, not someone looking for a spare account.

For the referrer: get it right before sending the code

Fortuneo does not use an automatic link like Revolut or N26. You obtain a referral code (generally 8 characters) from the ‘Referral’ section of your customer area, and the referred friend must enter this code manually at a specific point during registration. One typing error and the referral is lost. Make sure your referred friend has the correct code in front of them before they begin.

The habit that makes all the difference is recommending the right product for their profile. Someone who simply wants a fee-free account should choose Fosfo. Someone looking for a premium card with travel assistance should choose Gold. A stock market beginner should choose the PEA, regularly cited as one of France's best for trading fees. A long-term saver should choose life insurance. As the reward you receive depends directly on this choice, you might as well guide your referred friend towards the product that genuinely suits them rather than pushing them towards the most expensive one for no reason.

Next, monitor two things in your referral area: the status of each application (registration received, conditions being checked, reward approved or rejected) and your annual counter. Fortuneo will not automatically alert you when you approach 10 referred friends, so you must keep an eye on it yourself.

For the referred friend: the checklist before opening an account

Prepare three things before starting the application on fortuneo.fr or in the app:

• The referrer's code, to be entered at the right point in the form. It may not always be possible to add it afterwards.
• The usual supporting documents: valid proof of identity, proof of address less than 3 months old and the bank details of your current account for the first deposit.
• The money ready to transfer, for Fosfo and Gold, which both require €300 within 6 days. Initiate the transfer on the day the account is opened.

The choice of product also deserves careful thought from the referred friend's perspective: Fortuneo's PEA is known for its low fees, Gold for its travel services and Fosfo for its simplicity. The product you open determines the reward you receive, so choose it according to your actual needs.

My candid view

I have not tested this programme myself; the following is based on the official conditions and public user feedback.

What makes Fortuneo easy to recommend is its balance. With Fosfo and the Stock Market offer, the referrer and referred friend receive the same amount; with Gold and life insurance, the referred friend receives more.

The €240 combined Gold reward applies to the 1 to 31 October 2026 campaign, subject to conditions. Fortuneo belongs to the Crédit Mutuel Arkéa group and also offers investment products.

The two drawbacks are well known: the deposit condition for Fosfo and Gold, which penalises referred friends who have not been properly warned, and the limit of 10 referred friends per year, which is restrictive for very active referrers when other banks do not publish any limit. Neither is prohibitive, but both need to be managed in advance.

Fortuneo compared with the alternatives

The comparison with BoursoBank is useful because both offer online bank accounts. BoursoBank shows up to €160 for the referred friend and €20 to €60 for the referrer depending on their assets; Fortuneo Gold shows €130 for the referred friend and €110 for the referrer, or €240 combined from 1 to 31 October 2026, subject to conditions.

Revolut operates in a different area: payments and currencies rather than savings and investments. Its referral campaign varies, and any card or delivery fees must be checked before registering. The two services can coexist depending on your needs.

Frequently asked questions

How can you receive the maximum? For the campaign verified until 31/10/2026, the Gold account offers the referrer €110 and the referred friend €130, making €240 between them. Fosfo gives each person €70, PEA/PEA-PME provides €80 each, CTO €30 each, and life insurance offers €100/€120 with a payment of €1,000.

Can you combine several products under the same referral? The rule is not clearly published. In principle, one referral corresponds to one product. If your referred friend opens Fosfo and then a PEA later, the conditions may differ: check the terms and conditions directly.

I have already referred 10 people this year. What happens now? Referrals beyond the tenth do not generate a reward until the counter resets on 1 January. You can continue sharing your code, but no reward will be paid.

Check before taking action: Fosfo and Gold card campaign rechecked on 01/10/2026 at fortuneo.fr; Stock Market and life insurance data last checked on 20/09/2026. The amounts may change. Refer to Fortuneo's official referral page before registering. PlanParrainPromo.fr is not a Fortuneo partner.

In summary

For the October campaign, Gold shows up to €240 combined and Fosfo €140 combined, subject to conditions. Warn the referred friend about the €300 deposit within 6 days of opening either card account. Current terms are on Fortuneo referral code and conditions verified at source.

See also

• BoursoBank referral 2026: up to €160 for the referred friend and €220 between both parties
• Revolut referral 2026: variable reward shown in the app
• Trade Republic referral 2026: a free share for both parties