Yomoni bonus 2026: does it really cover management fees?

To obtain an invitation without making the code public, consult the Yomoni referral page. It also presents the current scale, eligibility rules and process.

Yomoni scale verified on 22 August 2026

The official Yomoni campaign runs from 7 June to 7 September 2026. The complete application must be signed by 8 September 2026. The referrer and referred customer receive the same amount:

The maximum €500 therefore requires an initial deposit of at least €100,000. Bonuses should not be compared in isolation from the capital committed, fees and risk of capital loss.

Bonus versus fees: the 12-month calculation

The Yomoni pricing page displays an all-inclusive maximum of 1.6% per year for life insurance, PEA, securities accounts and PER products under ETF management. Applying that cap to the minimum for each tier gives this order of magnitude:

These figures are an editorial calculation, not a personalised invoice. They use the maximum 1.6% rate and the exact minimum for each tier. A larger balance mechanically increases fees in euros without increasing the bonus. Multi-asset PER profiles may also show a higher total cost, around 2.04% to 2.20% according to Yomoni's scale.

The 12-month delay changes the analysis

The bonus is not credited immediately after subscription. The terms schedule payment 12 months after the investment becomes effective. At that point:

• the contract must still be open;
• the balance must remain at least equal to the minimum for the selected tier;
• the referred customer must have met the eligibility criteria;
• no other promotional offer may have been combined with it.

A withdrawal that takes the balance below €25,000, for example, may invalidate a bonus calculated at the €200 tier. The legal liquidity of the contract therefore does not mean the balance can be reduced without affecting the referral reward.

Eligibility conditions not to miss

The referred customer must be a new Yomoni client and open their first eligible discretionary-management contract: life insurance, securities account, PEA or PER. At least 30% must be invested in unit-linked products or collective investment funds. These holdings can rise or fall and involve a risk of capital loss.

The program is limited to 10 referred customers over 12 months. During this campaign, Yomoni also provides the referrer with an experience after each set of three validated referrals, meaning the 3rd, 6th and 9th, within the limits in the terms.

Why the invitation must remain private

The decisive point is contractual, not technical. Yomoni states that no payment is due to a referrer who has published their code on public webpages. Displaying a code openly to attract traffic could therefore destroy the intended reward.

PlanParrainPromo does not publish the code. The dedicated Yomoni referral page collects a request, then the invitation is sent privately. Before signing electronically, the referred customer should confirm that the referrer has been correctly associated.

Verdict

The first tier offers the best proportion: €100 represents 2% of €5,000, more than 1.6% of theoretical fees over one year. As the deposit rises, the bonus grows more slowly than the capital committed. At €100,000, the €500 represents only 0.5% of the deposit.

The bonus is therefore relevant if Yomoni already suited your investment plan. It should not determine the choice of wrapper, risk profile or amount invested. Before subscribing, reread the official terms, fee schedule and documents for the proposed contract.