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Referrals
$0 to StartLow Effort Passive Mobile OK

bunq Referral Program

Earn cash, bonus interest, free cards and other rewards by referring friends to bunq

4.4/5

Monthly Potential

Up to €100, depending on the referral campaign

⏱ Referral campaigns can change or be replaced by bunq. The specific conditions and availability shown in the bunq app apply to each invitation.

Start Earning

Earning Potential

Up to €100, depending on the referral campaign

Time Commitment

< 2 hrs/week

Our Rating

4.4/5

Best For

Existing bunq customers who can refer friends in supported markets

What Is bunq Referral Program?

What You Earn

bunq lets existing customers invite friends and choose from different referral rewards. Depending on the campaign and the tab used to create the invitation, rewards can include up to €100 in cash, a free Metal Card, bonus interest, free stock trading months or other promotional rewards. The exact reward and requirements are shown in the bunq app and can vary by user, market and campaign.

Reward:

Up to €100 or other promotional rewards, depending on the active referral offer.

Recurring? 

No. Rewards are tied to individual qualifying referrals rather than recurring commissions.

Who Gets Rewarded?

The referrer and, depending on the selected campaign, the new customer can both receive a reward. Some offers are specifically designed to reward both people, while others only reward the person being invited.

What Your Friend Gets

The new customer can receive rewards such as a free Metal Card, bonus interest, free months of bunq Core or other promotional benefits depending on the referral invitation. The exact reward is displayed when the invitation is created.

Minimum Requirements

Requirements depend on the selected referral reward. For example, the Metal Card promotion requires the referred customer to make a single card payment of at least €50. Other promotions require a qualifying savings deposit, switching to bunq, business account activity or another specified action.

Country Restrictions

bunq referral offers vary by country. The current Wheel of Fortune referral promotion, for example, is available in Austria, Belgium, Estonia, Finland, France, Germany, Ireland, Latvia, the Netherlands, Poland, Portugal and Spain. Other referral campaigns have different geographical requirements.

Payout Method

bunq account balance, bonus interest, free card, plan benefits or other campaign-specific rewards

How Payouts Work

Once the referred customer completes the required action, bunq notifies the referrer that the reward has been unlocked. The referrer can then claim the reward through the bunq app, with cash rewards being paid into the Main Account.

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Realistic Earnings — What to Actually Expect
bunq has one of the more varied referral programs among European fintechs because you can potentially choose between several different rewards instead of receiving one fixed referral payment. Current options include cash, bonus interest, free Metal Cards and free stock trading months.

The downside is that the program is highly campaign-dependent. There is no single reward that applies to every bunq user, and some offers are restricted to particular countries or require fairly specific actions. For example, the current Netherlands Switch Service promotion can pay up to €100, but the referred customer must be a Dutch resident with a Dutch IBAN and keep the Switch Service active for at least 13 months.

✓ Pros
  • Up to €100 in selected campaigns
  • Free Metal Card in selected campaigns
  • Bonus interest in selected campaigns
  • Free stock trading months in selected campaigns
  • Other promotional rewards
  • Up to 5 friends invited per calendar month
✗ Cons
  • Potential welcome reward depending on the campaign
  • Must join through the bunq referral invitation
  • Must complete the qualifying action associated with the reward
  • Requirements can include a €50 card payment, qualifying savings deposit or activating a specific bunq service
How to Get Started
  1. 1
    Open the bunq app
  2. 2
    Go to your Profile and select Invite Your Friends, or choose the relevant referral option from a bunq tab
  3. 3
    Select the reward you want to earn
  4. 4
    Choose an eligible friend
  5. 5
    Send the invitation by SMS
  6. 6
    Your friend signs up through the invitation
  7. 7
    Your friend completes the qualifying action
  8. 8
    Claim your reward through the bunq app

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Common Questions
How much can I earn from bunq referrals?
The reward depends on the campaign. Current bunq referral offers include up to €100 in selected promotions, as well as free Metal Cards, bonus interest, free stock trading months and other rewards.
Is the bunq referral reward recurring?
No. bunq referral rewards are tied to individual qualifying referrals rather than recurring commissions.
What does my friend need to do?
The required action depends on the selected referral reward. Some offers require a €50 card payment, while others require a qualifying savings deposit, activating Switch Service or another specific action.
Does my friend get a reward too?
It depends on the campaign. Some bunq offers reward both the referrer and new customer, while others provide a benefit specifically to the person being invited.
What is the easiest bunq referral reward to earn?
This depends on which offers are available in your app. The Metal Card promotion, for example, requires the referred customer to make one card payment of at least €50, rather than several smaller payments.
Which countries support bunq referrals?
Referral availability varies by promotion. The current Wheel of Fortune referral offer is available in Austria, Belgium, Estonia, Finland, France, Germany, Ireland, Latvia, the Netherlands, Poland, Portugal and Spain. Other bunq referral offers can have different country requirements.
How many friends can I refer?
bunq currently allows customers to invite up to 5 friends per calendar month, with one invitation available from each of the Home, Cards, Savings, Stocks and ZeroFX tabs.
How do I receive my bunq referral reward?
After the referral qualifies, bunq sends a notification to the referrer. You can then claim the reward through the relevant event in the bunq app. Cash rewards are paid into the bunq Main Account.
Can I choose which bunq referral reward I receive?
Yes. bunq currently lets customers browse the available referral rewards and choose which reward they want before sending the invitation. The available options depend on the tabs, country and current campaigns.
Is the €100 bunq referral reward available everywhere?
No. The €100 reward is tied to a specific Netherlands Switch Service promotion. Both the referrer and friend must live in the Netherlands, and the friend must switch from a supported Dutch bank account to bunq.

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Quick Summary
Monthly Earning
Up to €100, depending on the referral campaign
Time to Earn
Referral campaigns can change or be replaced by bunq. The specific conditions and availability shown in the bunq app apply to each invitation.
Cost to Start
$0 to Start
Best For
Existing bunq customers who can refer friends in supported markets
Effort
Low Effort
Mobile
Yes

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referralbunqbankingfintechcash rewardscashbackEuropebank account
Independently reviewed. Referral links may earn us a small commission — this doesn't affect our ratings.