Nalo Referral - Life insurance and smart investing
€50 to €500 paid to both parties based on the initial deposit
Nalo's current referral programme pays the same reward to both parties: €50 to €500 based on the referee's initial deposit. It applies to a first Nalo contract, excluding contracts for minors, opened through the referrer's personal link. Terms checked on 24 August 2026.
Who it's for and when
The offer only makes sense if the referee genuinely plans to open a first Nalo contract and invest at least €1,000. The €500 tier requires an initial deposit of €100,000 or more. The investment decision should be driven by goals and risk tolerance, not the bonus.
How to get it, step by step
- Get the personal link from the Nalo client area
- The referee opens their first eligible Nalo contract through the link
- Make the initial deposit for the relevant tier
- Keep the contract without a partial or full withdrawal until payment
- Both parties receive the same amount after the following calendar quarter
Our analysis
The official tiers are identical for both parties: €50 for an initial deposit of €1,000 to €4,999, €100 for €5,000 to €9,999, €150 for €10,000 to €24,999, €200 for €25,000 to €49,999, €300 for €50,000 to €99,999 and €500 from €100,000. Payment is made to each bank account after the following calendar quarter if no partial or full withdrawal has occurred. A withdrawal within six months cancels the reward or allows it to be deducted. Rewards cannot be combined with another promotion or fee waiver. There is no stated cap on referees.
Strengths
- Same reward for both parties
- Clear official tiers from €50 to €500
- Direct payment to each bank account
- No stated cap on referees
Things to watch
- Minimum initial deposit of €1,000
- The €500 tier requires €100,000 or more
- First contract only, excluding contracts for minors
- A withdrawal within six months can cancel or recover the reward
- Cannot be combined with another promotion or fee waiver
Frequently asked questions
What are the Nalo referral tiers?
Both parties receive €50, €100, €150, €200, €300 or €500 based on an initial deposit from €1,000 to €100,000 or more.
When is the Nalo reward paid?
After the calendar quarter following subscription, provided no partial or full withdrawal has occurred.
Can you refer several people to Nalo?
Yes. Nalo states that referrals are unlimited, subject to the programme terms for each application.
Offer verified on 2026-08-28
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