Monabanq referral 2026: €50 for the referrer and up to €280 for the referred friend - Complete guide
Monabanq uses a different model from free banks: up to €50 for the referrer depending on the account opened by the referred friend, and a welcome offer worth up to €280 for the referred friend. But before getting carried away, there is one phrase to circle in red and one point not to forget. The phrase to circle is "up to", because these maximum amounts require specific conditions to be met. The point not to forget is that Monabanq is a paid bank with monthly fees, not a free account like those offered by its neobank competitors.
The manually verified Monabanq referral code, official link and current terms:
View the Monabanq referral offer →Monabanq is a French online bank founded in 2006 and part of the Crédit Mutuel Alliance Fédérale group. It has a hybrid position: the comprehensive services of a traditional bank (current account, savings, credit, insurance and human advisers) with the convenience of being fully online, but with fixed fees depending on the plan (to be confirmed on monabanq.com). Referral data checked on 12 August 2026.
What each person receives
| Referrer | Referred friend | |
|---|---|---|
| Maximum reward | €50 | Up to €280 |
| Reward model | Depends on the account opened by the referred friend | Welcome offer subject to conditions |
| Condition for the referred friend | n/a | New customer who has never held a Monabanq account |
| Monthly fees | around €9 to €15 | around €9 to €15 |
| Group | Crédit Mutuel Alliance Fédérale | Crédit Mutuel Alliance Fédérale |
| Deposit guarantee | €100,000 | €100,000 |
The figures "€50" and "up to €280" do not describe the same thing. For the referrer, Monabanq advertises €50 if the referred friend opens Uniq+ and €30 with Uniq or Pratiq+. For the referred friend, the €280 forms part of the welcome offer, with its own conditions: opening and funding the account, card payments, bank switching and loyalty, according to the official details. This is precisely what you need to check on monabanq.com before quoting an amount to your referred friend.
The real calculation: the reward versus the fees
This is the heart of the matter, which no marketing banner highlights. Monabanq is not free. If you compare it with a fee-free neobank, you need to include these monthly charges of €9 to €15 in the calculation. A €280 reward for the referred friend is equivalent to roughly one and a half to two years of fees: the deal remains highly attractive if you stay as a customer and genuinely use the account, but much less so if you close it after three months.
The honest reasoning is therefore as follows. If you want a free account for everyday transactions, Monabanq is not the right choice: BoursoBank, Revolut and N26 provide that without fees. But if you want a comprehensive online bank backed by a major group, with accessible advisers and a genuine range of products, the maximum reward compensates you for a commitment you would have made anyway. The reward follows usage; it does not replace it.
For the referrer: what to do
From your customer area (website or app), look for the "Referral" or "Invite a friend" section in your dashboard. Your personal link appears there, and it is this link that assigns the reward to your account. If you cannot find it, Monabanq customer service, available by telephone, can tell you where it is.
The right referred friend here is not just anyone. Monabanq appeals to people who want to leave a branch-based bank without switching to a pure neobank, or who want to bring their current account, savings and credit together with a single online provider backed by a strong group. Someone who merely wants a free second account for occasional use is not a good candidate; they will not stay long enough to make the fees worthwhile. Once the referred friend has registered, track the progress of their application from your customer area.
For the referred friend: what to prepare
Three standard documents: valid proof of identity, recent proof of address, and the bank details of an existing account for the initial funding. The account is opened online; allow a few working days for verification and delivery of the Visa card.
There are two points to anticipate before signing up. First, the fees: include the €9 to €15/month in your comparison if you are also considering free alternatives. Second, the reward: to aim for €280, you often need to take out additional products beyond the current account alone. Check the exact conditions on monabanq.com before registering so that you know precisely how much you can expect, rather than aiming for a maximum that is out of reach.
Monabanq compared with other banks
| Bank | Referrer | Referred friend | Fees/month | Group |
|---|---|---|---|---|
| Monabanq | €30 to €50 | Up to €280 | check according to the plan | Crédit Mutuel Alliance Fédérale |
| BoursoBank | €20 to €60 | Up to €160 | €0 possible depending on the offer | Société Générale |
| Fortuneo | €70 Fosfo / €110 Gold | €70 Fosfo / €150 Gold | Variable | Arkéa |
| Hello Bank | Variable | Variable | €0 | BNP Paribas |
Monabanq remains very strong in terms of its welcome offer for referred friends, but it is the only bank in the table to charge monthly fees. BoursoBank remains the benchmark for free banking, with a maximum of €160 for the referred friend and €20 to €60 for the referrer, Fortuneo offers strong rewards for the Gold account, and Hello Bank (BNP Paribas group) also offers fee-free banking. The choice comes down to one question: do you value the breadth of services enough to accept fees, or is free banking more important to you?
This table only includes online banks. If you would prefer a branch network and a dedicated adviser, the comparison shifts towards branch-based banks: the Société Générale (SG) referral programme follows a different model, with a reward that depends on the current campaign rather than a permanent scale.
Frequently asked questions
How do you unlock the €280 reward for the referred friend? By meeting the multi-product criteria for the highest tier (an account plus additional services). The exact conditions are on monabanq.com and may change: do not count on the maximum without checking the requirements.
What is the connection with Crédit Mutuel? Monabanq is an online bank belonging to the Crédit Mutuel Alliance Fédérale group. Deposits are covered up to €100,000 by the French Deposit Guarantee Fund, as they are at a traditional bank.
Can you keep Monabanq alongside another bank? Yes, the law allows you to hold several accounts. Some people open Monabanq for the reward and then assess whether the services justify the fees over time.
Check before taking action: referrer reward scale checked again on 12/08/2026 (€50 with Uniq+, €30 with Uniq or Pratiq+) and welcome offer of up to €280 for the referred friend, subject to conditions. Monthly fees should be checked on monabanq.com according to the plan. Confirm everything on the official Monabanq website before taking any action. PlanParrainPromo.fr is not a Monabanq partner.
In summary
Monabanq combines an invitation-based referral programme (€30 to €50 for the referrer depending on the account opened) with a welcome offer for the referred friend that can reach €280 subject to conditions, backed by the strength of the Crédit Mutuel Alliance Fédérale group. The trade-off is monthly fees that competing neobanks do not charge. The calculation works in your favour if you actively use the account and meet the conditions, but not if you merely want a free account. Current conditions are available on the PlanParrainPromo Monabanq listing.
See also
The manually verified Monabanq referral code, official link and current terms:
View the Monabanq referral offer →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.