Best investment referral offer 2026: Trade Republic, Degiro, eToro, Finary, Snowball and Binance compared

Everything is up to date as at 23 April 2026.

The comparison at a glance

The three with reliable amounts

Trade Republic awards both the referrer and referred customer a randomly selected share or ETF worth between €5 and €200, depending on the offer shown. The exact value is not guaranteed. The referred customer must use the link when signing up and meet the conditions in the app within 21 days. The link must remain private and personal.

Degiro, a Dutch broker regulated by the AFM, takes the opposite approach: predictability. Each party receives €20 in free brokerage fees after the account is opened and the first trade is completed. An important distinction is that these are fee credits, not cash. A passive investor who only buys ETFs two or three times a year will take months to use them; an active trader will use them up in a few days. It is therefore mainly useful if the person genuinely trades.

Snowball offers the most original model: a 0.5% bonus on the first three months of investing for both the referrer and the referred customer. The value depends on the sums invested, and that is the point: at €500 per month, this amounts to around €7.50 over three months; at €5,000 per month, it is closer to €75. The more regularly you invest, the more it pays. This programme is designed for people who use DCA to invest in ETFs, with the added benefit of a French-speaking community.

The three you need to check yourself

eToro (social trading, regulated by CySEC and the AMF) varies its referral offers according to campaigns and countries: I do not provide a figure, so confirm it on etoro.com/fr. Its main selling point remains CopyTrader, for anyone who wants to copy strategies without managing their portfolio. Be aware of the spreads, which are higher than at a conventional broker.

Finary is not a broker but a wealth aggregator: it connects to your accounts on a read-only basis to provide a consolidated view (banking, shares, life insurance, property and crypto), without buying anything. Its referral conditions change, so check them on finary.com. It is relevant for someone whose wealth is spread across several platforms.

Binance is a special case, and caution is required.

⚠️ Check Binance's regulatory status in France before doing anything else. The AMF has previously issued warnings, and its status changes. Consult the AMF register and the platform's current status before activating a referral or investing.

In principle, the referrer receives up to 20% of their referred customers' trading fees: potentially lucrative if they trade heavily, but this assumes intense crypto activity, the opposite of a cautious investor's approach. An exchange also does not offer the protections of an AMF-regulated broker. It should be reserved for experienced crypto users.

Which one suits whom

The right approach is to start with the person's profile, not the figure:

• Starting out in the stock market → Trade Republic, as the €30 share is the most effective incentive.
• Actively trades shares → Degiro, as the €20 in fees is used quickly and its brokerage pricing is competitive.
• Invests monthly in ETFs (DCA) → Snowball, as the 0.5% rewards consistency.
• Wealth spread across different providers → Finary (conditions to be checked), for consolidation.
• Wants social trading → eToro (conditions to be checked).
• Experienced with crypto → Binance, but only after checking its regulatory position with the AMF.

Two frequently asked questions

Can you combine several referral offers? Yes, each programme is independent: you can be a referred customer at Trade Republic, then Degiro, then Finary, provided that you are a new customer each time.

Are these rewards taxable? They may be considered income depending on their nature and amount. For specific circumstances, the right approach is to consult impots.gouv.fr or a tax adviser, especially if you combine several offers.

Check before taking action: amounts checked on 23/04/2026 and subject to change at any time. Confirmed for Trade Republic, Degiro and Snowball; check the official websites for eToro, Finary and Binance. PlanParrainPromo.fr is not a partner of any of these platforms, and nothing here constitutes investment advice.

In brief

Three robust and straightforward programmes (Trade Republic for getting started, Degiro for trading and Snowball for DCA), three to check yourself, and one guiding principle: choose according to how the person invests, not according to the largest reward. Detailed pages for each offer are available on PlanParrainPromo.

See also

• Trade Republic referral: a free share to start investing
• Finary referral: track your wealth with the French aggregator

Offers mentioned in this comparison

• Finary referral code: wealth aggregator, conditions to be checked on finary.com
• Binance referral: reduced fees on crypto trading
• Trade Republic referral: a free share after the referred customer's first investment
• eToro referral: social trading, bonus according to the current conditions
• DEGIRO referral: low-fee online broker
• Snowball referral: a collective of personal finance newsletters