N26 vs BoursoBank referral programmes in 2026: which should you choose?
N26 and BoursoBank target the same online-banking audience, but their referral programmes do not carry the same weight. N26, the mobile-first German neobank, offers a token bonus of €15 each under the rates presented here. BoursoBank, France's number one online bank, has offered the referred customer up to €160 since 06/08/2026, but with more demanding conditions. Here is how to choose according to your priorities. BoursoBank data was checked again on 12 August 2026 and should be reconfirmed using official sources.
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| Criterion | N26 | BoursoBank |
|---|---|---|
| Referrer bonus | €15 | €20 to €60 depending on assets held |
| Referred-customer bonus | €15 | up to €160 |
| Conditions | Sign up through the link + first payment | Initial deposit + card transactions over 3 months + EasyMove |
| Time frame | A few weeks | Depends on the validated bonus |
| Type | German neobank, entirely mobile-based | France's number one online bank, 7M+ customers |
The quick takeaway: if the bonus matters most, BoursoBank far outstrips N26 (up to €160 compared with €15 for the referred customer). If you prioritise simple eligibility and a minimalist app, N26 remains relevant despite its modest bonus.
N26: simple and quick, but a modest bonus
N26 is a German neobank designed for mobile use, with a free basic account and an app known for its clarity. Its referral programme is one of the simplest on the market: the referred customer signs up through the link and makes their first payment, then the €15 bonus (for both the referrer and the referred customer) is paid within a few weeks. There is little friction, but the amount is deliberately low.
It is the option for anyone who wants straightforward mobile banking and an easy bonus to unlock, not for those seeking the maximum reward.
BoursoBank: the higher referred-customer bonus of the two
BoursoBank (formerly Boursorama Banque, renamed in 2023) is France's number one online bank, with more than 7 million customers. Since 5 pm on 6 August 2026, the public offer has displayed €20 to €60 for the referrer depending on their assets held and up to €160 for the referred customer, subject to conditions: an initial deposit, card transactions over three months and EasyMove.
That is substantially more than N26 offers the referred customer, but the activation process is more demanding. For most people who want a main bank, the additional effort may be worth the difference in the bonus.
Which profile suits each bank?
Choose N26 if you want a simple mobile neobank, an easy and quick bonus, and no high deposit requirement.
Choose BoursoBank if your referred customer wants the highest bonus (up to €160) and a full-service bank, and is willing to complete a slightly more demanding activation process.
Choose both if you want to combine them: N26 as a secondary mobile account and BoursoBank as your main account. The bonuses can be earned separately.
Frequently asked questions
Which pays more? BoursoBank (up to €160 for the referred customer and €20 to €60 for the referrer), compared with €15/€15 at N26.
Which is simpler? N26, whose bonus is unlocked after the first payment, with no high deposit requirement.
Do you have to choose? No, the two can coexist and their bonuses are independent.
Check before taking action: BoursoBank amounts and conditions checked on 12/08/2026 and subject to change at any time. Visit n26.com and boursobank.com before taking any action. PlanParrainPromo.fr is not a partner of either N26 or BoursoBank.
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.