Monabanq Referral Code 2026: €50 for the Referrer
€50 for the referrer with a Uniq+ account (€30 for Uniq or Pratiq+), up to €280 advertised for the referee depending on the current offer
Monabanq pays the referrer €50 if the referee opens a Uniq+ account and €30 for a Uniq or Pratiq+ account, capped at 5 rewarded referrals per year. The bonus is credited within 60 days of the referee's account being opened. Note: there is no shareable referral link. The referrer enters the referee's email address in their customer area and Monabanq sends the invitation. Monabanq is the online bank of Crédit Mutuel Alliance Fédérale. It offers a current account with a dedicated banking advisor, rare among online banks.
Who it's for and when
Monabanq is relevant if you want an online bank with a dedicated advisor - a rare advantage compared to BoursoBank or N26. Ideal for clients who want online bank prices with traditional bank proximity.
How to get it, step by step
- In your Monabanq customer area, referral section, enter your referee's email address
- Monabanq sends the invitation: the referee has 30 days to validate their request
- The referee opens their current account through that link (ID + supporting documents)
- The bonus (€50 for a Uniq+, €30 for a Uniq or Pratiq+) is paid within 60 days
Our analysis
Monabanq offers a current account from €3/month (Pratiq+) with French IBAN and a dedicated advisor reachable by phone, email and chat. Visa Classic or Premier card included depending on plan. Monabanq belongs to Crédit Mutuel Alliance Fédérale. It is more service-rich than BoursoBank but less competitive on brokerage fees.
Strengths
- Dedicated banking advisor - reachable by phone, email and chat
- Crédit Mutuel Alliance Fédérale group
- French IBAN
- €50 for the referrer if the referee opens a Uniq+, €30 for a Uniq or Pratiq+
Things to watch
- Paid account (from €2/month)
- Less competitive than BoursoBank on stock brokerage fees
Frequently asked questions
Is Monabanq genuinely different from other online banks?
Yes - Monabanq stands out with a dedicated advisor reachable by phone, which BoursoBank, N26 and Revolut do not offer. Ideal for those who want a human point of contact.
How much does Monabanq cost?
The Pratiq+ account costs €3/month (€3.90/month from 1 October 2026), Uniq €6/month and Uniq+ €12/month. Additional fees may apply depending on services used.
How does the Monabanq referral work?
The referrer enters their referee's email address from the customer area, in the referral section. The bank itself sends the invitation, and the referee opens their account through that link. This is not a code to share freely: the referral is sent by the bank, not by the referrer.
Is there a Monabanq referral link you can share?
No, and that is what makes this programme unusual. There is no public link the referrer could circulate: the invitation is personal and goes to a specific email address. A supposed Monabanq referral link found online therefore matches no official mechanism.
How long does the Monabanq referee have to accept the invitation?
The invitation has a limited validity period, counted from when the bank sends it. Once that period passes, it expires and the referrer must send it again from their customer area. This is the most mundane cause of failure: a referee who leaves the email sitting for weeks.
Who can be referred at Monabanq?
Someone who is not already a customer and who opens a current account in their own name. Opening requires an identity document and supporting documents, as with any bank. Someone close who already holds a Monabanq account does not enter the programme.
Is the Monabanq account free for the referee?
No. Monabanq charges for its current account plans; that is its stated model, in exchange for a dedicated adviser reachable by phone, email and chat. The referral does not remove that subscription: it adds a reward, it does not make the account free.
When is the Monabanq referral reward paid?
After the referee's account is actually opened, not when the invitation is sent nor when the application is received. The delay runs from that opening, and the reward also depends on the plan the referee chose. The terms displayed at subscription are what count.
Monabanq or BoursoBank: are the two referral programmes alike?
No, the mechanics differ. At Monabanq, the invitation is sent by the bank to a named email address. At BoursoBank, the referrer circulates a personal link. That difference changes everything in practice: one assumes you know the referee, the other allows wider sharing.
How much does the Monabanq referral pay?
The Monabanq referral can pay €50 to the referrer if the referee opens a Uniq+ account, or €30 with Uniq or Pratiq+. The referee gets the current welcome offer, up to €280 as of 12/08/2026. Monabanq is the online bank of Crédit Mutuel Alliance Fédérale; exact amounts should still be checked at sign-up.
Offer verified on 2026-08-12