Nickel Referral Code - €10 gift
€10 gift to new Nickel account holder via referral
The Nickel referral programme gives €10 to new account holders. Nickel is the bank-free account available at tobacco shops, with 3.5M+ clients. No income requirements, no overdraft - ideal for those excluded from traditional banking.
Who it's for and when
Nickel suits those wanting a simple bank account without income requirements, or in financial difficulty. Also suitable for minors from age 12 (with parental consent) and those blacklisted at the Banque de France.
How to get it, step by step
- Share your Nickel referral link
- The new user goes to a partner tobacco shop
- They present their ID and open an account in 5 min
- The new user receives €10 on their account after activation
Our analysis
Nickel is an inclusive banking solution offered by BNP Paribas since 2017. The account costs €20/year (€1.67/month) with Mastercard included. Open at a tobacco shop in 5 minutes with ID. Account is capped (€250 withdrawals/week) and no overdraft. Simple and effective for basic needs.
Strengths
- Open at a tobacco shop with no income requirements
- Mastercard included from €20/year
- Accessible to those blacklisted by the Banque de France
- Available from age 12 (with parental consent)
Things to watch
- No overdraft permitted
- Weekly withdrawal cap (€250)
- No savings account or associated credit
Frequently asked questions
Is Nickel a real bank?
Nickel is a payment account, not a bank. It is offered by BNP Paribas and authorised by the ACPR. Funds are guaranteed up to €100,000.
Can I open a Nickel account online?
Opening is done exclusively at a partner tobacco shop with ID. The list of outlets is available on nickel.eu.
Offer verified on 2026-06-05