Fortuneo: Referral offers for May 2026

For May 2026, Fortuneo offers several referral opportunities, allowing both referrers and referred friends to receive cash bonuses. These offers cover opening a bank account with a card, subscribing to a brokerage account or a life insurance contract. Bonus amounts vary depending on the product chosen, with a specific period for bank accounts running from May 1 to June 30, 2026.

Detailed referral offers for May 2026

The bonuses distributed through Fortuneo’s referral program depend on the type of product or service subscribed to by the new customer. Each offer has its own conditions regarding amount and eligibility.

Bank account with Fosfo Mastercard

By subscribing for the first time to a bank account with a Fosfo Mastercard, the referred friend and the referrer each receive €80. To qualify for this bonus, the referred friend must make an initial deposit of €300 into their new bank account within 6 days of opening. This offer is valid from May 1 to June 30, 2026. The Fosfo card is known for being free and having no fees on payments and withdrawals abroad, with no income requirement to open the account.

Bank account with Gold CB Mastercard

Opening a bank account with a Gold CB Mastercard as a first subscription gives the referrer €120 and the referred friend €160. As with the Fosfo offer, a €300 deposit must be made to the referred friend’s account within 6 days of opening. This offer is also valid from May 1 to June 30, 2026. To obtain the Gold CB Mastercard, a monthly income of €2,200 is required. This card also offers fee-free banking services abroad and includes insurance, such as repatriation or coverage for lost and stolen luggage.

Brokerage offers

For the first opening or transfer of a brokerage account, whether it’s a standard securities account, a PEA or a PEA-PME, the referrer and referred friend can each receive up to €80. This bonus requires an initial deposit of €1,000 into the relevant account. It is important to note that stock market investing carries a risk of capital loss and requires a medium to long-term perspective.

Life insurance offer

Upon the referred friend’s first subscription to a Fortuneo Vie life insurance contract, the referrer receives €100 and the referred friend receives €120. This bonus is subject to a net initial deposit of at least €1,000. Unit-linked investments in life insurance contracts carry a risk of capital loss.

Eligibility conditions and process

To participate in Fortuneo’s referral program, the referred friend must be a legally capable adult and must not have previously been a customer or holder of any account or life insurance contract with Fortuneo. A referred friend can only use one referral code. If multiple products are opened, only the bonus for the first product subscribed is paid. These offers are generally not combinable with other commercial promotions, with the exception of the brokerage account transfer offer and the “100 free orders” offer.

The referral process is simple: the referrer accesses their personal code in their client area or via the mobile app, under the “Referral” section. They then share this code with their contact by any means. The referred friend enters this code during their online subscription. The bonus is then paid to both parties’ accounts within a maximum of one month, subject to compliance with all offer conditions.

Frequently asked questions

What is a Fortuneo referral code?

A Fortuneo referral code is a unique identifier provided to an existing customer, called a referrer. This code allows a new customer, the referred friend, to benefit from a specific offer and bonuses when opening a first account or contract with Fortuneo, while rewarding the referrer.

How long does it take to receive the Fortuneo referral bonus?

The referral bonus is paid to the referrer’s and referred friend’s accounts within a maximum of one month after validation of the referred friend’s subscription and verification that all current offer conditions have been met.

Can I refer a family member who is already a Fortuneo customer?

No, the referral offer is reserved for people who have never been Fortuneo customers, whether for a bank account or a life insurance contract. The referred friend must subscribe to their first product to be eligible.

Are Fortuneo referral offers combinable?

As a general rule, referral offers cannot be combined with other Fortuneo commercial promotions. However, there are specific exceptions, such as the brokerage account transfer offer or the “100 free orders” offer.

Fortuneo’s referral offers in May 2026 provide bonus opportunities for those looking to join this online bank, or for current customers inviting their contacts. Choosing the right offer for your needs is the first step. To facilitate sharing and managing your referral codes with your trusted network, tools like kallie exist to organize this information between people you actually know.