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How does the referral program work?
How does the referral program work?
Updated this week

According to the country of your organization the Referral program works differently.

If your company is French 🇫🇷, from the 25/10/2023, for each successful referral, you and your referee will both earn up to 160€. You know other businesses who could use a boost? Refer them to Qonto, and pass on the power of simple finance management. For each successful referral, you and your referee will both earn up to 160€.

🇩🇪 🇮🇹 🇪🇸 For German, Italian, and Spanish companies: for each successful referral, you and your referee will both earn 80€ instead.

Who is eligible to the referral program?

All customers with an active account are eligible to refer other businesses to Qonto.

Please note that only non-existing companies at Qonto are eligible to participate in the referral program. To have access to the reward, the new client must register through a referral link. Important: Make sure to use the referral link.

If the new account is created directly on the Qonto website, no reward will be applicable

⚠️ Qonto may decide at any moment to cancel the distribution of the reward in case notably of abuse of the program and/or breach in our terms of use. For more information, consult our terms and conditions document.

🇩🇪 🇮🇹 🇪🇸 If your company is based in Germany, Italy, and Spain, for more information, consult our terms and conditions document.
🇫🇷 If your company is based in France, for more information, consult our dedicated terms and conditions document.

How do I share my referral link?

From the web app

  1. Log into your Qonto account, click on the small gear icon in the bottom left and select Recommend Qonto.

  2. From the page that opens, you can share your referral link:

    1. Manually: click on “copy referral link” and paste it where you want to share it.

    2. Automatically: add your contacts’ e-mail addresses under “send an invitation via e-mail”. Then press “send” to generate a preset message to refer them to Qonto.

From the mobile app

  1. From your iOS or Android mobile app, click on the “More” button at the bottom right of the screen.

  2. On the page that appears, click on “Referrals" to access your referral page.

  3. Finally, click on “Share link” to send your referral link over through your favorite social media, messages, e-mail or just copy-paste the link manually.

How do I collect my referral reward?

Depending on where your business is based, the collect of the referral reward works differently.

❗️Important: Do not use an incognito window to open the link otherwise you will not receive your reward.

🇫🇷 For French companies - If I have been referred to Qonto:

  • Open your Qonto account through the referral link that was shared with you

  • Make sure you order a physical card

  • Use your card and spend with your physical card for an amount of 50€ in order to receive the first 80€ or more (you can make either one or several transactions, in store or online) within the first 60 days from the account validation date.

  • Use your card and spend an amount 3000€ in order to receive the second reward equal to 80€ (you can make either one or several transactions, in store or online) within the first 60 days from the account validated date.

  • That’s all! Your reward will be automatically credited to your account within a maximum of 7 (business) days following the validation of your referral.

    The referral reward is set to a maximum of 160€ for both the referrer and the referee. For more information about the referral process, check the dedicated T&Cs.

💡 Be aware that the reward credited to your account will always be the amount effective at the time of the registration of the referee (not necessarily the amount that was effective at the time the referral was made).

🇩🇪 🇮🇹 🇪🇸 For German, Italian and Spanish companies - If I have been referred to Qonto:

  • Open your Qonto account through the referral link that was shared with you

  • Make sure you order a physical card

  • Make a settled transaction with your physical card for an amount of 50€ or more (you can make either one or several transactions, in store or online)

  • That’s all! Your reward will be automatically credited to your account within a maximum of 7 (business) days following the validation of your referral.

    The referral reward is set to 80€ for both the referrer and the referee.

💡 Be aware that the reward credited to your account will always be the amount effective at the time of the registration of the referee (not necessarily the amount that was effective at the time the referral was made).

☝️ Not all card transactions are eligible for receiving the reward. For instance, the following card transactions are excluded from the referral program:

  • Cash withdrawals

  • All card transactions that involve the transfer of funds (e.g. gift card purchases, money orders, prepaid card purchases, cryptocurrency purchases, traveller's checks, bank accounts top-up)

  • All card transactions in restaurants, liquor stores or tobacco shops

  • Betting, casinos and other games.

  • Online payment services provider

  • Clothing stores

If I have referred someone to Qonto:

Your reward will be automatically credited to your account within a maximum of 7 (business) days after the company you referred completes the steps described above.

💡 TIP: When a company signs up to Qonto through your referral link, you will be able to track the referral status on the Qonto Web app or on the iOS or Android apps:

  • On web: once your referee signs up, go to the referral page and you will see a right-hand sidebar where their referral status can be tracked

  • On mobile: once your referee signs up, go to the referral page and click on “Reward status” section to see the status of your referral. You will see a button, “Track your referrals”. You can click on that button to view the status of your referral.

How can I monitor the referral process?

You can track the processing status of your referral bonuses directly in the Recommend Qonto section within your web app.

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