Top 10 most profitable referral programmes in 2026: full ranking

The ranking method is simple: we add the maximum referrer reward and maximum referral reward, while the difficulty score (out of 5) reflects the complexity of the conditions that must be met. The higher the score, the more demanding the programme.

The ranking, from most generous to simplest

1. Monabanq, up to €330 combined

€50 for the referrer with Uniq+, and up to €280 for the referral through the welcome offer. Difficulty 4/5. The amounts remain high for the referral, but the referral programme must be distinguished from the commercial account-opening offer. The requirements are equally substantial: a paid account, funding conditions, card payments, bank-switching or loyalty depending on the tier. This is not an account to open "just to see".

2. Fortuneo, up to €260 combined

€70 each with Fosfo, and €110 for the referrer and €150 for the referral with Gold until 31/08/2026. Difficulty 3/5. Generosity towards the referrer is the main advantage, particularly with Gold. The stock market account offers up to €80 each as at 15/08/2026, but remains below the Gold maximum. The conditions are clear, but genuine account use is required.

3. BoursoBank, up to €220 combined

€20 to €60 for the referrer depending on assets held, and up to €160 for the referral. Difficulty 2/5 to 3/5 depending on EasyMove. It is the benchmark for bank referrals in France, with brand recognition that makes it easier to recommend and a detailed public reward scale available since 06/08/2026. See the BoursoBank page for details.

4. Trade Republic, a randomly selected share worth €5 to €200

A randomly selected share or ETF worth between €5 and €200 for both the referrer and referral, depending on the displayed offer. Difficulty 1/5. The value remains random, and activation requires meeting the app's bonus conditions within 21 days. The link must be shared privately. See the Trade Republic page for details.

5. Revolut, a variable reward in the app

The amount, number of rewarded referrals, required purchases and deadline depend on the campaign displayed in the referrer's app. The referral must complete every step before the deadline. See the Revolut page for details.

6. Direct Assurance, €100 combined

€50 refunded to the referrer and €50 to the referral. Difficulty 1/5. It is the benchmark for car or home insurance referrals: symmetrical, stable and with simple conditions (taking out an eligible policy using the referral code). It does not offer the highest amount, but it is one of the clearest and easiest to activate.

7. Orange, up to €100 for the referrer

Up to €100 for the referrer and a welcome offer for the referral. Difficulty 2/5. This is the highest referrer reward in the telecoms sector. The exact amount depends on the plan taken out by the referral and must be checked on orange.fr. Best reserved for contacts seeking a well-covered premium network.

8. Engie, the energy referral programme

Variable amounts. Difficulty 2/5. The liberalised energy market offers genuine opportunities, and Engie is a long-established leader whose brand recognition makes it easier to recommend. Ideal for people you know who have never changed supplier. Check amounts on engie.fr.

9. N26, €30 combined

€15 for the referrer and €15 for the referral. Difficulty 1/5. Last for reward amounts, first for simplicity: opening takes a few minutes and only basic use is required. It is often the ideal starting point when persuading someone who is reluctant to use an online bank. See the N26 page for details.

10. Dougs, the accounting referral programme

Variable amounts. Difficulty 2/5. Online accounting software for freelancers, sole traders and non-salaried workers, suitable for recommending within a professional network of self-employed people. Check amounts on dougs.fr.

Summary table

The real opportunity: combining programmes

The individual ranking is useful, but actual profitability comes from combining programmes. Here is a deliberately cautious calculation for an individual using multiple programmes over one year.

As a referral: open a BoursoBank account through a referral offer (up to €160), a Fortuneo Gold account through a referral offer (€150), and a Trade Republic account through a referral offer (a share worth €5 to €200). Subtotal: €315 to €510 depending on the draw and subject to meeting all the conditions.

As a referrer, earnings cannot be calculated in advance using a fixed Revolut amount: the reward depends on the personal campaign shown in the app. The Fortuneo and BoursoBank reward scales must also be checked again before each invitation.

It would therefore be misleading to state a guaranteed annual total here. The result depends on the campaigns actually available, each referral's eligibility, any fees and compliance with all conditions.

Three habits make this strategy manageable: space out account openings (one account every 4 to 6 weeks, allowing time to meet each condition without spreading your transactions too thinly), activate your referral links as soon as the account opens, and keep a simple tracking table (service, date, conditions, deadline, status). Without this tracking, you may miss a condition or deadline and lose the reward.

Common questions

Which is really the most profitable? Monabanq in gross terms (up to €330 combined), but with demanding conditions. For simplicity relative to reward, Fortuneo and BoursoBank suit most people better.

Referrer or referral to earn the most? Both, in order. First join as a referral to open the accounts and collect the introductory rewards, then become a referrer for each one to generate recurring earnings.

Is it legal to share codes online? Yes, sharing them on forums or in groups is legal digital word of mouth. However, some brands prohibit distribution on cashback or promotional-code websites in their terms of use: check before sharing them widely.

Check before acting: banking amounts rechecked on 12/08/2026; Direct Assurance taken from the source page verified on 31/07/2026. Everything may change at any time. The calculation in the combination section is indicative; actual amounts may vary depending on the current conditions. Always consult the official websites. PlanParrainPromo.fr is not a partner of any of the brands mentioned.

In summary

The most profitable referral programme in 2026 depends on the role: Monabanq for the highest gross amount for the referrer and referral together, Fortuneo for the activity-to-reward ratio for regular referrers, and BoursoBank for the simplicity-to-reward ratio for the greatest number of people. But the real winning strategy is not to choose a single programme: it is to combine them intelligently throughout the year, starting with referral rewards and then activating your own referral links. An organised individual can aim for several hundred euros over twelve months while using services they genuinely need.

See also

• Best bank referral programmes 2026: ranking of the 7 best offers
• Fortuneo vs BoursoBank 2026: which should you choose?
• How do referrals work? The complete guide