Why N26 Promo Codes No Longer Work (Mar 2022)

Why N26 Promo Codes No Longer Work (Mar 2022)

Summary: N26 promo codes no longer benefit the person being invited (in this case, you). As a result, you’re wasting your time searching for an N26 promo code.

Instead, skip the headache and get verified with N26 in a matter of minutes here.

N26 Promo Codes

In late 2018, N26 changed their referral policy, and new signups no longer receive a bonus for signing up with an N26 invite code.

In other words, if you’re searching online for an N26 promo code, you’re wasting your time.

I could give you my N26 referral code, but it won’t benefit you in any way.

Instead, your best move is to stop wasting your time and just sign up for N26 directly.

It only takes 8 minutes to sign up and get verified.

Changes To The N26 Referral Program

Before 20182019 & Beyond
Maximum rewardUp to 10 friends max (€150)Up to 100 friends (€1,500)
Days before receives your reward payment for inviting a friend2-3 daysUp to 60 days
Invited friend receives bonusYesNo

By the way: if you’re looking for ways to seriously amplify your wealth, you’ll probably like learning how I regularly make 10% daily returns. That’s all here.

Note: It’s not for the faint of heart!

What Is N26?

N26 is an online-only bank designed for digital nomads, frequent travelers and anyone else who appreciates simplicity, ease of use and good design from their bank.

My N26 account saves me thousands of Euros every year thanks to free ATM withdrawals worldwide, the best exchange rates on the planet (due to their partnership with TransferWise) and a remarkable travel insurance plan—all of which is included with the card.

It’s why I wrote a 3,000-word N26 bank review last year detailing my experience. It covers all of their products in-depth, including N26 You, N26 Metal, CASH26, INVEST26 and more.

Related: Looking for the best travel insurance for digital nomads? It’s right here.

That review also teaches you when it makes sense to upgrade to N26 You, and how to make the most of all the perks—perks like flight delay insurance, mobile phone insurance and travel cancelation insurance—that come with it.

And did I mention nearly all of these perks, plus plenty more, come absolutely free?

Sign up for N26 here—no promo code required.

N26 Promo Codes
N26 promo codes are a thing of the past, but that doesn’t mean N26 is any less of an amazing bank.

FAQs About N26’s Referral Program

How can I invite friends using my N26 promo code?

If you’re an existing N26 customer, inviting friends to N26 is super simple:

  1. Log into the N26 app, click on the person icon in the top left, and click on Add Friends (iOS) or Invite Your Friends (Android).
  2. Click Tell A Friend and share your code through the medium of your choice (ex. Messenger, email, WhatsApp, etc.)

Keep in mind that you’ll only receive your €15 reward when your friend completes a transaction worth at least €15, not as soon as they sign up for N26.

And remember that only you get a reward for inviting your friends—they don’t get any value out of signing up with your promo code.

How many friends can I refer to N26 with my N26 promo code?

Before the policy changes in late 2018, N26 would only pay a referral bonus for the first 10 friends you referred (capping your earnings at €150). But now, you’ll be paid €15 for the first 100 friends you refer to N26. That means you can earn up to €1,500 referring friends (but no more).

How long does it take to get paid for referring my friends to N26?

It can take up to 60 days for you to get paid for referring a friend to N26. It used to take just 2-3 days.

Does the friend I invite to N26 receive a reward as well?

No! This is unfortunate news for your friend, since only the person doing the inviting receives a €15 reward. This means that if you’re signing up for N26 yourself right now, you’re wasting your time searching for an N26 invite code online.

Benefits Of N26

  • Free ATM withdrawals worldwide. No matter where you are in the world, N26 will never charge you any fee for withdrawing cash from an ATM. If you’re on N26’s free plan, you’ll pay a 1.7% currency conversion fee on top of the interbank rate, which is better than what nearly any other consumer bank provides.
  • Real-time transaction notifications. Whenever money goes in or out of your account, whether it’s a transfer you’ve initiated or a pre-authorized payment, you’ll get a notification.
  • Transaction categories. Every transaction is assigned a category like “Bars & Restaurants” or “Travel & Holidays” to keep track of your spending that way. Just another benefit of having a banking tool built by coders, rather than a piece of technology built by bankers.
  • PIN resets. Resetting your PIN at any time is as simple as logging into the app and changing it. No calling N26, no trips to the ATM, etc etc. 30 seconds and it’s done.
  • Locking your card. Just like resetting your PIN, locking your card to make it unusable for a period of time is as simple as logging in and pressing the button. Unlocking it is just as easy.
  • Payments abroad, online payments and cash withdrawals. For your security, you can toggle these on and off at any time.
  • Spending and withdrawal limits. Another security feature that you can choose and change in the app at any time.

#6 Comparing N26, N26 You and N26 Metal

N26 StandardN26 YouN26 Metal
Monthly Fee€0€9.90€16.90
Free ATM Withdrawals In Euros
0% Foreign Payments Fee In Any Currency
Worldwide ATM Withdrawal Fees1.7%0%0%
Travel Insurance
Extended Warranty
Cash Protection
Mobile Phone Theft Insurance
Access to MasterCard World Elite Benefits
Dedicated Customer Support
Partner Offerings
Tungsten Card

Note: N26 also offers N26 Business, an account designed for freelancers and small business owners.

N26 You

When N26 You was first launched, you could use an N26 promo code to sign up.

Now, though, anyone can upgrade to N26 You by simply signing up for N26 and upgrading in the app. It just takes a couple of taps and your card will be in your mailbox in a couple of days.

Benefits Of N26 You:

  • Medical expenses up to an unlimited amount if you have a medical emergency while abroad (No deductible).
  • Expenses you incur due to a flight delay of 4 hours or longer, up to a maximum of €400 (No deductible).
  • Expenses you incur if your luggage arrives more than 6 hours late, up to a maximum of €400 (No deductible).
  • Reimbursement for a stolen mobile phone that was purchased with your N26 You account, up to a maximum of €300 (€50 deductible).
  • Reimbursement for stolen cash if you get mugged up to 4 hours after withdrawing with your N26 You card, up to a maximum of €500 (No deductible).
  • Extended warranty of up to one additional year on items purchased directly with your card and all payment methods associated with your card, such as a linked PayPal account, up to a maximum of €500 (€50 deductible).
  • Travel cancellation insurance on every trip before the trip commences, up to a maximum of €5,000 per trip (10-20% deductible).
  • Car rental insurance and public transportation accident insurance.

(Note: If you’re looking for an even more comprehensive insurance plan, we recommend the $37/month subscription from SafetyWing.)

N26 You currently costs €9.90/month.

Sign up for N26 You here.

N26 Metal

Just like N26 You, it used to be that the only way to access N26 Metal was to be referred by a friend.

But that’s no longer true. (I address this in my 2,000-word N26 Metal review.)

Anyone can get N26 Metal by signing up for N26 and upgrading in the app. Your card will arrive within a few days.

What Does The N26 Metal Card Look Like?

The N26 Metal card is made of tungsten, a rare, heavy metal that gives the card some serious oomph. The MasterCard logo is engraved on the front of the card, giving it a sense of depth, while the cardholder’s name has been moved to the back of the card, keeping the front minimal and clean.

N26 Metal comes in three colors: Charcoal Black, Rose Quartz and Slate Grey.

Here’s a video introducing the N26 Metal card:

Benefits Of N26 Metal

N26 Metal includes all of the benefits of N26 You listed above, plus dedicated (priority) customer support and, of course, the metal card itself.

N26 Metal also comes with a growing number of exclusive partner offers and benefits, which rival the benefits of much more expensive premium credit cards like the American Express Platinum. These benefits include:

  • WeWork: 1 free day per month of co-working from any WeWork location around the world.
  • com: 10% off hotel bookings.
  • IHG: 20%-30% off hotel bookings when you book at least 21 days in advance.
  • Tannico: 10% off your first three orders of wine, delivered to your home.
  • Outfittery: Save €30 on your order of your curated and stylish Outfittery Box.
  • Caya: 25% off your annual subscription to Caya, the physical-to-digital mail forwarder.
  • Zipjet: 10% off your order of €30+ from Zipjet, the laundry service that comes to you.
  • Home24: 10% off your order of €199 from Home24, one of the largest online furniture shops in Europe.
  • Helpling: 10% off all home cleaning services by Helpling.
  • Drivy: €25 off your first shared economy car rental with Drivy.
  • Lanieri: 25% off custom-tailored suits, shirts, jackets and pants made by Lanieri.
  • Babbel: An additional 3 months of free language learning when you sign up for a 3-month language learning pack with Babbel.
  • Urban Sports Club: €10 off your membership to Urban Sports Club, the gym that knows no boundaries.

N26 Metal currently costs €16.90/month.

Sign up for N26 Metal here.

N26 Promo Codes - WeWork
Your N26 Metal card is your ticket to WeWork locations like this one all over the world.

Upgrading From N26 You To N26 Metal

Upgrading from N26 You to N26 Metal is dead simple: in the N26 app, swipe right until you reach the Upgrade tab. Your new N26 Metal card will take 5-10 business days to arrive.

If you made purchases and travel arrangements using your N26 You card, those will still be insured under N26 Metal, of course. N26 stops charging you N26 You fees as soon as you upgrade to N26 Metal to ensure you never pay more than one monthly fee.

These are the screens you’ll see when you go to upgrade to N26 Metal:

The minimum membership for N26 Metal is one year, and your contract automatically renews if you do not cancel your membership at least 4 weeks before the contract expires.

How To Cancel Your N26 Metal Membership

Canceling your N26 Metal membership is as easy as signing up: in the app, just go to My Account -> N26 Metal -> Cancel. Keep in mind that you should cancel at least 4 weeks before the end of the billing period to ensure you aren’t charged for any additional time with N26 Metal.

How To Sign Up For N26

With N26’s impressive insurance policy, fee-free foreign cash withdrawals, and the app’s ease of use, I really couldn’t be happier as a member of N26 You. It’s made banking a lot easier and cheaper for me, and solved many of the messy problems I had before, mainly expensive and vague travel/medical insurance policies plus spending nearly $100/month in subtle ATM and currency exchange fees.

To sign up, you just need to provide standard personal information (name, date of birth, etc.), a valid ID or passport, and an address within one of N26’s supported European countries. As I write this, the list includes Germany, Austria, Ireland, France, Spain, Italy, Netherlands, Belgium, Portugal, Finland, Lithuania, Latvia, Luxemburg, Slovenia, Estonia, Greece and Slovakia.

Once you’ve signed up, verified your ID in the app and paired your smartphone, they’ll send you your free MasterCard in the mail. Mine took just 2 days to arrive, and it comes in a pretty sleek package. Comment below if you have questions about N26 and I’ll do what I can to answer them, or you can also reach N26’s Support team via their app or website.

FAQs About N26

Can I use N26 if I’m not a European citizen?

As you can see here, you can open an N26 account from any of the following countries: Germany, Austria, Switzerland, Ireland, France, Spain, Italy, the Netherlands, Belgium, Portugal, Finland, Luxembourg, Slovenia, Estonia, Greece, Slovakia, Poland, Sweden, Denmark, Norway, Liechtenstein, Iceland, and the United States.

For example, I'm Canadian, but I signed up for N26 as soon as I moved to Berlin.

If you live in one of the countries above AND are a citizen of one of the 164 countries below, you can sign up for N26:

N26 AfghanistanN26 AlbaniaN26 Algeria
N26 AngolaN26 AnguillaN26 Antigua and Barbuda
N26 Argentina N26 Armenia N26 Aruba
N26 Australia N26 Austria N26 Azerbaijan
N26 Bangladesh N26 Barbados N26 Belarus
N26 Belgium N26 Belize N26 Benin
N26 Bermuda N26 BhutanN26 Bosnia and Herzegovina
N26 BotswanaN26 BrazilN26 British Indian Ocean Territory
N26 British Virgin IslandsN26 BruneiN26 Bulgaria
N26 BurundiN26 CambodiaN26 Cameroon
N26 CanadaN26 Cape VerdeN26 Cayman Islands
N26 ChileN26 ChinaN26 Colombia
N26 ComorosN26 CroatiaN26 Cyprus
N26 Czech RepublicN26 Democratic Republic of the CongoN26 Denmark
N26 Dominican RepublicN26 East TimorN26 Egypt
N26 El SalvadorN26 EritreaN26 Estonia
N26 EthiopiaN26 FijiN26 Finland
N26 FranceN26 GambiaN26 Georgia
N26 GermanyN26 GhanaN26 Gibraltar
N26 GreeceN26 GrenadaN26 Guatemala
N26 GuineaN26 Guinea-BissauN26 Honduras
N26 Hong KongN26 HungaryN26 Iceland
N26 IndonesiaN26 IranN26 Iraq
N26 IrelandN26 IsraelN26 Italy
N26 Ivory CoastN26 JamaicaN26 Japan
N26 JordanN26 KazakhstanN26 Kenya
N26 KyrgyzstanN26 LaosN26 Latvia
N26 LebanonN26 LesothoN26 Liberia
N26 LiechtensteinN26 LithuaniaN26 Luxembourg
N26 MacauN26 MadagascarN26 Malawi
N26 MalaysiaN26 The MaldivesN26 Malta
N26 MauritiusN26 MexicoN26 Micronesia
N26 MoldovaN26 MonacoN26 Montenegro
N26 MontserratN26 MoroccoN26 Mozambique
N26 MyanmarN26 NamibiaN26 Nepal
N26 New ZealandN26 NicaraguaN26 Nigeria
N26 NiueN26 NorwayN26 Oman
N26 PanamaN26 Papua New GuineaN26 Paraguay
N26 PeruN26 PhilippinesN26 Poland
N26 PortugalN26 Republic of the CongoN26 Yemen
N26 RomaniaN26 RussiaN26 Rwanda
N26 Saint HelenaN26 San MarinoN26 São Tomé and Principe
N26 SenegalN26 SerbiaN26 Seychelles
N26 Sierra LeoneN26 SingaporeN26 Slovakia
N26 SloveniaN26 SomaliaN26 South Africa
N26 South KoreaN26 SpainN26 Sri Lanka
N26 SwedenN26 SwitzerlandN26 Taiwan
N26 TajikistanN26 TanzaniaN26 Thailand
N26 The NetherlandsN26 The VaticanN26 Togo
N26 TongaN26 Trinidad and TobagoN26 Tunisia
N26 TurkeyN26 TurkmenistanN26 Turks And Caicos
N26 TuvaluN26 UgandaN26 Ukraine
N26 United Arabian EmiratesN26 United KingdomN26 United States of America
N26 UruguayN26 UzbekistanN26 Vietnam
N26 Zimbabwe

Is TransferWise Safe To Use?

YES. Millions of people, including myself, use TransferWise (the currency conversion platform that N26 has partnered with) to send money to international friends or businesses every month. They’re a completely reputable money transfer service, and unlike other banks, you receive regular updates on the status of your transfer as it’s being sent. Due to their unique approach to currency conversions, you pay about 8x less in fees than you would by sending money through a traditional bank. There have been zero reported cases of TransferWise fraud. Based in London, we reviewed TransferWise here.

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2 thoughts on “Why N26 Promo Codes No Longer Work (Mar 2022)”

    • Hi Peter, that depends both on what country you’re from and where you’re applying from. Do you have a national ID you can use to verify your identity? That will work in many cases.

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