Shine Referral: up to €200 per Referee, Business Account
€20 to €200 for the referrer depending on the referee's plan, 1 free month for the referee
The Shine referral pays the referrer €20 to €200 per referee, depending on the plan the referee takes, and gives the referee one month of subscription on top of the trial month. Shine is the online business account of the Société Générale group, built for freelancers, self-employed workers and small companies: invoicing, expense tracking, tax estimator and sub-accounts. Scale recorded on shine.fr/parrainage on 28/07/2026.
Who it's for and when
Shine makes sense if you are self-employed or run a small company and want a business account with built-in management tools rather than a plain deposit account. On the referral side, the value depends directly on the plan your referee picks: the bonus runs from €20 on the free plan to €200 on the Business plan. The programme is capped at 2 referees per year, so €400 maximum: it is an occasional top-up, not a regular income stream.
How to get it, step by step
- Hold a Shine business account
- In the app, open the More section then Recommend Shine
- Go to the Referral tab and copy your personal link
- Share the link: your referee opens their business account through it
- The bonus is paid 4 months after the referee signs up (M+4), if the conditions are met
Our analysis
Shine's referral scale is public and broken down per plan, which is unusual: €20 for the referrer if the referee stays on the free plan, €100 on Start (€9/month excl. VAT), €150 on Plus (€20/month excl. VAT) and €200 on Business (€60/month excl. VAT). The referee gets one month of subscription on top of the trial month, except on the free plan. The bonus is only paid four months after the referee signs up, and three conditions must hold at that point: the referee must have spent at least €500 with their physical or virtual card, have a positive balance, and not have downgraded their plan. If they downgrade, the lowest plan is used to compute the bonus. The 2-referees-per-year cap is the programme's real limit.
Strengths
- Public scale broken down per plan: €20, €100, €150 or €200 for the referrer
- The referee gets 1 month of subscription on top of the trial month
- Business account backed by the Société Générale group
- Built-in management tools: invoicing, tax estimator, sub-accounts
Things to watch
- Capped at 2 referees per year, so €400 maximum
- Bonus only paid 4 months after the referee signs up
- The referee must have spent at least €500 by card and keep a positive balance at M+4
- Downgrading a plan brings the calculation back to the lowest plan
- The free plan only pays €20 to the referrer and gives the referee no free month
Frequently asked questions
How much does the Shine referral pay?
The referrer's bonus depends on the plan the referee takes: €20 on the free plan, €100 on Start, €150 on Plus and €200 on Business. Since referrals are capped at 2 per year, the theoretical maximum is €400 per year. Scale recorded on shine.fr/parrainage on 28/07/2026.
What does the referee get with the Shine referral?
The referee gets one month of subscription free, on top of the trial month already included. This applies to the paid Start, Plus and Business plans: on the free plan there is no free month, since there is no subscription to cover.
When is the Shine referral bonus paid?
Four months after the referee signs up, which Shine writes as M+4. At that date the referee must have spent at least €500 with their physical or virtual card, show a positive balance and not have downgraded their plan. If the plan was downgraded, the bonus is computed on the lowest plan.
How many people can I refer at Shine?
Two referees per year qualify for a bonus. You are free to share your link as much as you like, but beyond the second referee of the year no further bonus is paid to the referrer.
Offer verified on 2026-07-28