Fortuneo vs BoursoBank referral 2026: which should you choose? Full comparison

Head-to-head at a glance

The quick reading: if you are a referrer with several potential referred friends, Fortuneo pays you much more. If your referred friend mainly wants the highest reward for themselves on a basic current account, BoursoBank wins. Everything else is just nuance around these two facts.

Fortuneo: the referrer's and investor's playing field

Fortuneo is a French online bank founded in 2000 and a subsidiary of Crédit Mutuel Arkéa, with a clear focus on investors: PEA, securities account, life insurance and a premium Gold card. Its strength is a reward scale differentiated by product.

This tiered system is the key advantage: a referred friend with an investment plan triggers a reward that nobody else matches. The constraint to anticipate is Fosfo and its €300 deposit within 6 days, which is a very short period when a standard transfer takes 1 to 2 working days. Beyond the referral programme, Fortuneo appeals through its Fosfo card, which is free subject to conditions, its PEA with no custody fees and competitive trading rates, and customer service known for handling investment questions.

BoursoBank: the referred friend reward and simplicity

Since 6 August 2026, BoursoBank (formerly Boursorama Banque, renamed in 2023) has published a multi-tier reward scale. The referred friend can combine up to €40 for the first payment, €40 through card transactions and €80 with EasyMove, making €160. The referrer receives €20, €40 or €60 depending on their assets. The offer shown at the start of the account-opening process applies.

BoursoBank's maximum is higher for the referred friend, but it notably requires EasyMove and three months of card use. For the referrer, the scale depends on their assets and remains below the €110 offered by the verified Fortuneo Gold campaign. In both cases, the conditions may change.

Beyond the reward: what really matters over time

Choosing a bank solely for the reward would be a mistake because you, or your referred friend, will keep it long after the 2- or 3-month payment period has passed. Fortuneo has the edge for investments: its PEA, with competitive trading fees, makes it a benchmark for retail investors, whereas BoursoBank's is less attractive for small investors. For the mobile experience, both apps are highly rated, with BoursoBank having a slight advantage for service integration (insurance, credit) and Fortuneo standing out for clear statements and investment management. In terms of fees, both current accounts are free for regular use, subject to usage conditions. Fortuneo's customer service is also generally regarded as more responsive on investment matters.

Which bank for which profile?

Choose Fortuneo if you are a referrer aiming for the €110 offered by the Gold campaign, your referred friend is eligible for this card and they can pay €300 within 6 days.

Choose BoursoBank if your referred friend wants a current account and accepts the necessary tiers to aim for €160, particularly EasyMove. As the referrer, expect €20, €40 or €60 depending on your assets.

The strategy that beats choosing only one: both

Nothing legally or contractually prevents you from holding a Fortuneo account and a BoursoBank account at the same time. This is even common among advanced users, and it is the real answer to the dilemma.

As a referrer, compare the roles without mixing the totals: Fortuneo Gold offers €110 for the referrer / €150 for the referred friend, while BoursoBank offers €20 to €60 for the referrer / up to €160 for the referred friend. As a referred friend, check above all whether EasyMove at BoursoBank or Gold eligibility at Fortuneo genuinely fits your plans. The programmes are separate, but each account opening remains subject to its own rules.

Frequently asked questions

Which pays the referrer more? Under the verified rates, Fortuneo Gold with €110, compared with €20 to €60 at BoursoBank depending on assets.

Which is most attractive for the referred friend? BoursoBank offers up to €160 with EasyMove and card use; Fortuneo Gold reaches €150 with a payment of €300 within 6 days. Fortuneo's PEA/PEA-PME offer also exists, providing up to €80, but it does not exceed Gold.

How are the rewards paid? In euros into the relevant account. The timescales are not identical: each BoursoBank tier and each Fortuneo product follows the conditions published by the bank.

Check before taking action: Fortuneo rechecked on 15/08/2026, BoursoBank rechecked on 12/08/2026; the amounts can still be changed at any time. See Fortuneo and BoursoBank before taking any action. PlanParrainPromo.fr is not a partner of either Fortuneo or BoursoBank.

In summary

The Fortuneo versus BoursoBank contest does not have a single winner. Fortuneo Gold offers more to the referrer; BoursoBank can offer slightly more to the referred friend, but only if all its tiers are completed. Compare the banking use, eligibility and conditions before the advertised reward.

See also

• Fortuneo referral 2026: the complete guide
• BoursoBank referral 2026: the complete guide
• Best bank referral programmes 2026: ranking the 7 best offers