Fortuneo Referral Code 2026, Up to €260 Combined in August
Referrer and referee bonus depending on the product opened (up to €110 referrer / €150 referee on the Gold account)
Referral code : 12987291
Fortuneo is a French online bank founded in 2000, owned by Crédit Mutuel Arkéa since 2009. It offers free current accounts (under conditions), savings accounts, high-performing life insurance and a recognised brokerage platform. With 800,000+ clients, Fortuneo is known for customer service quality and competitive trading fees.
Who it's for and when
Fortuneo is particularly relevant if you trade stocks actively (among the lowest fees) or want a life insurance plan with good unit-linked fund access. The referral programme is doubly attractive as it rewards both referrer and referee - rare in retail banking.
Verified amounts and conditions
- Referee : €70 to €150 depending on product
How to get it, step by step
- Get the referral code (12987291) and go to fortuneo.fr
- Open the product you want: Fosfo or Gold account, brokerage account (PEA/PEA-PME/securities) or Fortuneo Vie life insurance
- Enter the referral code in the dedicated field during signup (it cannot be added after the account is opened)
- Make the required deposit: €300 within 6 days for cards, €1,000 for a brokerage or life-insurance product
- The bonus (depending on the product and the current campaign) is credited to both referrer and referee within 3 months
The offer in video
Our analysis
Fortuneo stands out for its brokerage platform quality (access to French, European and US markets) and its highly rated Fortuneo Vie life insurance. The Fosfo current account is free with reasonable income requirements. Customer service is available 6 days/week by phone. The mobile app is functional but less modern than some competitors. Trading fees are competitive, especially for ETFs.
Strengths
- Doubly generous bonus: both referrer AND referee rewarded (up to €110 / €150 on the Gold account)
- Recognised brokerage with competitive fees
- Fortuneo Vie life insurance with excellent fund selection
- Customer service available by phone 6 days/week
- Crédit Mutuel Arkéa subsidiary - financial solidity
Things to watch
- Mobile app less modern than Boursorama or N26
- Income requirements for free current account
- No physical branch service
Frequently asked questions
Is Fortuneo a reliable bank?
Yes. Fortuneo is an ACPR-approved French bank, subsidiary of Crédit Mutuel Arkéa. Deposits are guaranteed up to €100,000 by the FGDR. It has operated since 2000.
What are Fortuneo's trading fees?
Fortuneo offers competitive trading fees starting from €0/order on some plans or €2/order for small transactions. ETFs are accessible with reduced fees. Check Fortuneo's website for current pricing.
How does Fortuneo referral work?
The referee enters code 12987291 during signup. Until 31 August 2026, Gold gives €110/€150 and Fosfo €70 each; brokerage shows up to €80/€80; life insurance gives €100/€120. The referrer must hold at least €300.
Does Fortuneo have a good life insurance plan?
Yes, Fortuneo Vie is regularly ranked among the best French online life insurance plans. It offers 0% entry fees, access to many unit-linked funds (ETFs, REITs, equities) and competitive euro funds.
Fortuneo vs Boursorama: which to choose?
For everyday banking and widest product range: BoursoBank. For stock trading and quality life insurance: Fortuneo. Fortuneo's referral programme is uniquely generous - both referrer and referee rewarded. Both are solid choices.
Where do you enter the Fortuneo referral code (12987291)?
The referrer code is entered in the 'referral code' field of the account opening form, at the time of online subscription on fortuneo.fr or the app. It must be filled in at that point for both bonuses to be granted: check the field before submitting.
What is the Fortuneo referral bonus for stocks (PEA) or life insurance?
Fortuneo's official page now lists brokerage at up to €80 for the referrer and up to €80 for the referee, for a first opening or first transfer of a brokerage account, PEA or PEA-PME, with a €1,000 initial deposit except transfers. Life insurance remains €100/€120 and Gold remains the maximum: €110/€150 until 31 August 2026.
How do you get €260 for two with the Fortuneo referral?
By targeting the Gold CB Mastercard account: €110 for the referrer and €150 for the referee, i.e. €260 combined. The campaign shown on fortuneo.fr/parrainage, rechecked on 15/08/2026, runs until 31/08/2026; scales are regularly renewed or adjusted, check the official page before opening.
How much does the Fortuneo referral pay depending on the account opened?
The amount depends on the product. Card campaign from 1 July to 31 August 2026: Fosfo €70 each; Gold €110 and €150, with €300 deposited within 6 days. Life insurance: €100 and €120 with a €1,000 minimum. The brokerage flash offer ended on 9 August 2026 and no replacement amount is claimed without a new official source. The referrer must hold €300 and may refer 10 people per year.
Which account should you open for the highest Fortuneo referral bonus?
The verified maximum is Gold: €110 for the referrer and €150 for the referee until 31 August 2026. Fosfo gives €70 each and life insurance €100/€120. The former brokerage bonus expired on 9 August 2026. Gold is subject to Fortuneo's eligibility rules, including around €2,200 net monthly income for an individual account.
When is the Fortuneo referral bonus paid?
The referee's bonus is paid within a maximum of 3 months after opening, into the opened account, once the conditions are met (a €300 deposit within 6 days for cards, or a €1,000 deposit for brokerage and life insurance). Referrals are capped at 10 per year, so you can stack several bonuses within the same year.
Is a minimum deposit required to validate the Fortuneo referral?
It depends on the product. For cards (Fosfo, Gold), the referee must make a €300 deposit into their account within 6 days of opening. For a brokerage account (PEA, PEA-PME, securities account), a €1,000 initial deposit is required (not required for a simple PEA transfer). For Fortuneo Vie life insurance, a minimum net €1,000 deposit is required. The referrer, for their part, must hold at least €300 in total assets at Fortuneo. The exact conditions of the current campaign are shown at sign-up: check them before opening the account.
Where do you enter the Fortuneo referral code during signup?
The referral code (8 digits) is entered in the 'Code parrain ou marraine' (sponsor code) field near the end of the account-opening form, before signing. Fortuneo has no 'promo code' field, so don't try to add it elsewhere. Important: the code cannot be added after the account is opened; if it wasn't entered during signup, the bonus is lost. So double-check it before confirming.
Can you combine several Fortuneo referral bonuses?
For a single referee, referral offers cannot be combined: if the referee opens several eligible products, only one bonus is paid, by order of priority. As a referrer, however, you can refer up to 10 different referees per year and thus stack several bonuses over the year. The referrer must hold at least €300 in total assets at the time of each opening.
Fosfo or Gold: which card to choose for the Fortuneo referral?
The Fosfo card has no income requirement: it's the simple choice, with €70 for the referrer and €70 for the referee (current campaign). The Gold card pays more (€110 referrer / €150 referee) but requires around €2,200 net monthly income for an individual account. In both cases the referee must deposit €300 within 6 days. Choose Gold if the referee meets the income condition, otherwise Fosfo is still a great no-strings option.
Offer verified on 2026-08-15