Fortuneo Referral Code - €80 for both parties
€80 for both referrer and referee when opening a Fortuneo current account
Referral code : 12987291
Fortuneo is a French online bank founded in 2000, owned by Crédit Mutuel Arkéa since 2009. It offers free current accounts (under conditions), savings accounts, high-performing life insurance and a recognised brokerage platform. With 800,000+ clients, Fortuneo is known for customer service quality and competitive trading fees.
Who it's for and when
Fortuneo is particularly relevant if you trade stocks actively (among the lowest fees) or want a life insurance plan with good unit-linked fund access. The referral programme is doubly attractive as it rewards both referrer and referee - rare in retail banking.
Verified amounts and conditions
- Referrer : 80€ à 150€ selon produit
- Referee : 80€ à 100€ selon produit
- Nouveau client, dépôt requis selon produit (300€ pour Fosfo sous 6 jours)
- Payout time : 2 à 3 mois après ouverture compte
How to get it, step by step
- Click the referral link on this page
- Open a Fosfo current account or brokerage account
- Complete activation requirements (initial transfer or first stock order)
- €80 bonus credited for both referrer and referee after validation
Our analysis
Fortuneo stands out for its brokerage platform quality (access to French, European and US markets) and its highly rated Fortuneo Vie life insurance. The Fosfo current account is free with reasonable income requirements. Customer service is available 6 days/week by phone. The mobile app is functional but less modern than some competitors. Trading fees are competitive, especially for ETFs.
Strengths
- Doubly generous bonus: €80 for referrer AND €80 for referee
- Recognised brokerage with competitive fees
- Fortuneo Vie life insurance with excellent fund selection
- Customer service available by phone 6 days/week
- Crédit Mutuel Arkéa subsidiary - financial solidity
Things to watch
- Mobile app less modern than Boursorama or N26
- Income requirements for free current account
- No physical branch service
Frequently asked questions
Is Fortuneo a reliable bank?
Yes. Fortuneo is an ACPR-approved French bank, subsidiary of Crédit Mutuel Arkéa. Deposits are guaranteed up to €100,000 by the FGDR. It has operated since 2000.
What are Fortuneo's trading fees?
Fortuneo offers competitive trading fees starting from €0/order on some plans or €2/order for small transactions. ETFs are accessible with reduced fees. Check Fortuneo's website for current pricing.
How does Fortuneo referral work?
Fortuneo's referral programme rewards both the referrer and the new account holder. Each receives up to €80 after the new client meets activation conditions (usually a first incoming transfer or first stock order).
Does Fortuneo have a good life insurance plan?
Yes, Fortuneo Vie is regularly ranked among the best French online life insurance plans. It offers 0% entry fees, access to many unit-linked funds (ETFs, REITs, equities) and competitive euro funds.
Fortuneo vs Boursorama: which to choose?
For everyday banking and widest product range: BoursoBank. For stock trading and quality life insurance: Fortuneo. Fortuneo's referral programme is uniquely generous - both referrer and referee rewarded. Both are solid choices.
How much does the Fortuneo referral pay depending on the account opened?
The amount depends on the product the referee opens: Fosfo account, €80 for the referrer and €80 for the referee; Gold account, €150 and €150; PEA share-savings plan, €80 and €80; life insurance, €100 for the referrer and €120 for the referee with a minimum €1,000 deposit. Referrals are capped at 10 per year and the bonus is paid 2 to 3 months after the account is opened.
Which account should you open for the highest Fortuneo referral bonus?
The highest bonus is tied to the Gold account: €150 for the referrer and €150 for the referee. The Fosfo current account and the PEA each give €80 on both sides, and life insurance €100 for the referrer and €120 for the referee (minimum €1,000 deposit). To maximise the reward, opening a Gold account pays the most, provided you meet its eligibility conditions.
When is the Fortuneo referral bonus paid?
The bonus is paid 2 to 3 months after the account is opened, once the referee has met the activation conditions (first incoming transfer or first stock order depending on the product). Referrals are capped at 10 per year, so you can stack several bonuses within the same year.
Is a minimum deposit required to validate the Fortuneo referral?
It depends on the product. For the Fosfo account, a first incoming transfer is usually enough; for the brokerage or PEA account, it is a first stock order; for Fortuneo Vie life insurance, a minimum €1,000 deposit is required. The exact conditions of the current campaign are shown at sign-up: check them before opening the account.
Offer verified on 2026-06-05