French bank referral programmes: BoursoBank, Fortuneo and Monabanq compared
French bank referral programmes attract attention because they offer rewards in euros. BoursoBank, Fortuneo and Monabanq may display high amounts, but they do not reward the same things. A straightforward account opening, a specific card, assets held or use within the first three months: each bank has its own approach.
All verified referral codes, ranked by amount and category:
View all offers →The wrong approach is to look only at the most prominent amount. The right approach is to ask: who receives what, when, and for how much real effort?
Key points
- BoursoBank is appealing if the referred customer wants a main bank.
- Fortuneo depends heavily on the product selected.
- Monabanq is clear from the referrer's perspective, but the referred-customer offer varies.
- The conditions matter just as much as the advertised amount.
Amounts verified in August 2026
In the site's local data, BoursoBank displays a referral offer of €20 to €60 for the referrer depending on their assets held, and up to €160 for the referred customer depending on the offer. Fortuneo ranges from €70 to €110 for the referrer and from €70 to €150 for the referred customer depending on the product, with a stock market account offer verified on 15/08/2026 providing up to €80 each.
Monabanq is different: the referrer receives €50 if the referred customer opens a Uniq+ account, or €30 for Uniq or Pratiq+. For the referred customer, the official page may advertise up to €280 depending on the offer for the account opened.
These figures must not be mixed together. An “up to” amount is not a guaranteed bonus for everyone.
BoursoBank: powerful, but conditional
BoursoBank is often appealing to a referred customer who genuinely wants to open a main account. The programme may include an initial deposit, card transactions over a given period and EasyMove in some cases.
The strength is clear: the potential referred-customer reward can be high. The weakness is equally clear: if the account is never used, the bonus may not live up to the promise displayed at the outset.
Before choosing BoursoBank, ask yourself whether you will genuinely use the account after receiving the bonus. If the answer is no, the referral programme may not be the right criterion.
Fortuneo: the offer depends on the selected product
Fortuneo offers different rewards depending on the card or product opened. In the verified data, the referrer can receive €70 to €110 and the referred customer €70 to €150 depending on the product. The required deposit also varies, for example according to whether you choose Fosfo or open a PEA.
This structure makes sense: Fortuneo is not merely rewarding a registration, but a particular type of customer. A basic card, a premium card and an investment product do not have the same value to the bank.
The right approach is to start with your need: a free card, premium card, savings or a PEA. Only then should you look at the bonus.
Monabanq: simpler for the referrer
Monabanq has the advantage of being clear for the referrer: €50 for Uniq+, and €30 for Uniq or Pratiq+. The referred customer must open their account through the invitation sent by Monabanq from the referrer's customer area.
The finer point is the referred-customer offer, which may vary depending on the current promotion and the account selected. Once again, the maximum figure is not always the realistic figure for a given profile.
Monabanq may be suitable if you are looking for an online bank with accessible customer service and a straightforward current-account model.
Quick decision table
| Bank | Referrer | Referred customer | Best if |
|---|---|---|---|
| BoursoBank | €20 to €60 depending on assets held | up to €160 | you are looking for a main bank |
| Fortuneo | €70 to €110 depending on the product | €70 to €150 depending on the product | you are choosing a specific card or product |
| Monabanq | €30 or €50 depending on the account | up to €280 depending on the offer | you want an online bank with support |
This table does not replace the official pages. It is intended to prevent confusion between referrer and referred-customer bonuses and the associated conditions.
My view
To maximise value, do not look for the biggest bonus. Look for the bank you can keep. A welcome bonus loses its appeal if the account remains unused or if the fees do not suit the way you bank.
If you are unsure, read the detailed guides to BoursoBank, Fortuneo and Monabanq. Then compare them with neobanks such as N26 if mobile simplicity is your priority.
See also
All verified referral codes, ranked by amount and category:
View all offers →Related guides
PlanParrainPromo.fr is not an official partner of any brand mentioned. Amounts and conditions change, so always check the current offer on the brand's official website before signing up.