Revolut referral: actual terms, timeframes and pitfalls to avoid (2026)

The referred friend should not assume that they will receive cash: unless their campaign states otherwise, the reward goes to the referrer. Any benefits and card fees are those displayed during registration.

What each person actually receives

The key point does not appear in any of these boxes: variability. Revolut adjusts its bonuses according to its customer acquisition needs. When a product launches or it pushes for growth, the amounts rise. During a quiet period, they fall again. No third-party website, including this one, can give you a reliable real-time figure. The only place with the correct information is your app at the time you look. The same applies to the terms for the referred friend, including the number of transactions, timeframe and minimum amount: they change with each campaign.

For the referrer: what to do

Open the app and go to the “Invite friends” section. Note the amount displayed before sharing because it may change between today and next week. Copy your personal link, and never share someone else's while pretending to be the referrer: that invalidates everything and breaches the terms of use.

The key is to target the right people. Revolut appeals to specific users: those who travel in Europe or elsewhere, shop on foreign websites, want a card without foreign exchange fees or need a second card alongside the one from their main bank. A student going on Erasmus, a cross-border worker or a compulsive shopper on international marketplaces: these are your best potential referrals. Conversely, suggesting Revolut to someone who never leaves the eurozone and only shops in France puts you at a disadvantage from the outset.

When you send the link, be open about what is required: registration takes around fifteen minutes, a physical card must be ordered, any fees are displayed in the app, and eligible purchases must be made with the card to unlock the bonus. This transparency increases the conversion rate because nobody likes discovering a hidden condition afterwards. Revolut then verifies the referred friend's identity, using a photo of their identity document plus a selfie, generally approved within a day, and you can track their progress directly in the referral section. The bonus is paid automatically once the conditions have been met and verified.

For the referred friend: how not to miss out on the referral

The classic pitfall comes at the very first step. Click the referrer's link, and only that link. If you go to the App Store and download Revolut manually, the referral is lost, with no right of appeal. The link redirects you to the store or straight to the app if it is already installed.

The rest takes place in the app: your phone number serves as your identifier, followed by your country of residence and identity verification using your identity card or passport, with a photo of the document plus a selfie. The entire process is automated and usually takes less than an hour. The Standard plan may be sufficient depending on the campaign, but card or delivery fees must be checked in the app. Then order your physical card from the relevant section if the campaign requires it. The remaining step is the one people forget: complete the required transactions within the allotted timeframe. A coffee, an online purchase or a public transport pass top-up: each card payment counts if the transaction is eligible. Until that quota is reached, nobody receives anything, neither you nor your referrer.

My considered view

I have not tested this programme myself; the following is based on the official terms and public user feedback.

Revolut's strength is its integrated tracking: each step turns green in the app, and the referrer can see what remains to be completed. In return, the benefit cannot be compared honestly without opening the campaign assigned to the account.

The drawback is the uncertainty. Promising a figure taken from an old campaign is the best way to lose credibility. Revolut Bank UAB is a bank licensed in Lithuania; deposit protection is provided under the applicable Lithuanian scheme, not the French FGDR.

Revolut compared with others in 2026

Compared with N26, Revolut targets the same mobile-first users and travellers, but with a variable campaign. N26 retains one advantage, its fixed €15 bonus in the scale presented here, but it does not persuade everyone to change their habits. Compared with BoursoBank, the use case is different: Bourso targets users looking for a main bank and rewards full adoption of the account, with a referred friend bonus that can rise to €160. If your referred friend genuinely wants to switch banks, BoursoBank may pay more. If they need a card for travelling without being stung by exchange fees, Revolut wins. In fact, many people end up with both.

Three common questions

Why can't I guarantee an amount? Because Revolut does not guarantee one itself. The figure depends on the campaign active in your region at that exact time. Your app is authoritative, full stop.

Is the card physical or virtual? Both may be available through Revolut, but referral campaigns require a physical card to be ordered. The exact fees and delivery times are those displayed in the app when ordering.

Is there a limit on referred friends? Sometimes. Some campaigns are unlimited, while others impose a cap. The number of referrals remaining appears in the app's dedicated section.

Check before taking action: official terms rechecked on 12/08/2026. The reward, required purchases and deadline are personalised in the app; up to 5 referred friends may qualify for a reward per campaign. Consult the official Revolut help page before registering. PlanParrainPromo.fr is not a Revolut partner.

In summary

Revolut remains one of the most active neobank referral programmes in France in 2026, provided you accept its one real drawback: you never know in advance how much the referrer will receive. Check the amount in the app, be open with your referred friend about the conditions, target travellers, and the scheme works. The latest terms and a comparison with other offers are available on the Revolut referral code page, with current terms and a verified link.

See also

• BoursoBank referral 2026: up to €160 for the referred friend and €220 combined
• Fortuneo referral 2026: Gold €110 for the referrer / €150 for the referred friend
• Trade Republic referral 2026: a free share for both