Fortuneo Referral Code 2026: up to €150 for the referee
Referrer and referee bonus depending on the product opened (up to €110 referrer / €150 referee on the Gold 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 to €150 depending on product
- Referee : €80 to €100 depending on product
How to get it, step by step
- Get the referral code (12987291) and go to fortuneo.fr
- Open the product you want: Fosfo or Gold account, brokerage account (PEA/PEA-PME/securities) or Fortuneo Vie life insurance
- Enter the referral code in the dedicated field during signup (it cannot be added after the account is opened)
- Make the required deposit: €300 within 6 days for cards, €1,000 for a brokerage or life-insurance product
- The bonus (depending on the product and the current campaign) is credited to both referrer and referee within 3 months
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: both referrer AND referee rewarded (up to €110 / €150 on the Gold account)
- 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 referee. The referee enters the referral code (12987291) at signup, then the amounts depend on the product opened: up to €110/€150 on the Gold account, €70 each on Fosfo, €80 for stocks (PEA/PEA-PME), €30 for a securities account, €100/€120 for life insurance. The referrer must hold at least €300 in assets; exact amounts depend on the current campaign.
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. Current card campaign (01.07-31.08.2026): Fosfo account €70 for the referrer and €70 for the referee; Gold account €110 for the referrer and €150 for the referee (a €300 deposit within 6 days is required for both cards). Brokerage: PEA/PEA-PME €80 and €80, ordinary securities account €30 and €30 (a €1,000 deposit, not required for a PEA transfer). Fortuneo Vie life insurance: €100 for the referrer and €120 for the referee (minimum net €1,000 deposit). Amounts change by campaign, check fortuneo.fr. Referrals are capped at 10 per year, the referrer must hold at least €300 in assets, and the referee's bonus is paid within 3 months into the opened account.
Which account should you open for the highest Fortuneo referral bonus?
The highest bonus is tied to the Gold account: €110 for the referrer and €150 for the referee (01.07-31.08.2026 campaign). The Fosfo account gives €70 on each side, the brokerage €80 (PEA/PEA-PME) or €30 (securities account), and life insurance €100 for the referrer and €120 for the referee (minimum €1,000 deposit). For the referee, the Gold account pays the most (€150), provided you meet its eligibility conditions (around €2,200 net monthly income for an individual account).
When is the Fortuneo referral bonus paid?
The referee's bonus is paid within a maximum of 3 months after opening, into the opened account, once the conditions are met (a €300 deposit within 6 days for cards, or a €1,000 deposit for brokerage and life insurance). 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 cards (Fosfo, Gold), the referee must make a €300 deposit into their account within 6 days of opening. For a brokerage account (PEA, PEA-PME, securities account), a €1,000 initial deposit is required (not required for a simple PEA transfer). For Fortuneo Vie life insurance, a minimum net €1,000 deposit is required. The referrer, for their part, must hold at least €300 in total assets at Fortuneo. The exact conditions of the current campaign are shown at sign-up: check them before opening the account.
Where do you enter the Fortuneo referral code during signup?
The referral code (8 digits) is entered in the 'Code parrain ou marraine' (sponsor code) field near the end of the account-opening form, before signing. Fortuneo has no 'promo code' field, so don't try to add it elsewhere. Important: the code cannot be added after the account is opened; if it wasn't entered during signup, the bonus is lost. So double-check it before confirming.
Can you combine several Fortuneo referral bonuses?
For a single referee, referral offers cannot be combined: if the referee opens several eligible products, only one bonus is paid, by order of priority. As a referrer, however, you can refer up to 10 different referees per year and thus stack several bonuses over the year. The referrer must hold at least €300 in total assets at the time of each opening.
Fosfo or Gold: which card to choose for the Fortuneo referral?
The Fosfo card has no income requirement: it's the simple choice, with €70 for the referrer and €70 for the referee (current campaign). The Gold card pays more (€110 referrer / €150 referee) but requires around €2,200 net monthly income for an individual account. In both cases the referee must deposit €300 within 6 days. Choose Gold if the referee meets the income condition, otherwise Fosfo is still a great no-strings option.
Offer verified on 2026-07-20