Referral Fortuneo

HOW DOES FORTUNEO REFERRAL WORK ?

To benefit from the Fortuneo referral offer, you just have to indicate the Fortuneo referral code 13140165 in the box “Do you have a transaction or referral code?” at step 2 “Information” of your Fortuneo membership! You will automatically receive the Fortuneo referral bonus when your account opening is finalized.

The Fortuneo referral offers are as follows:
– €50 free for opening an account with CB Fosfo Mastercard (subject to an initial deposit of €300 on the bank account within 6 days of opening the account)
– €140 free when you open an account with CB Gold Mastercard (subject to an initial deposit of €300 on your bank account within 6 days of opening your account)
– €120 free when you sign up for a life insurance policy (subject to a minimum initial deposit of €1000)
– €140 free for opening or transferring a stock market account (subject to a minimum initial deposit of €1000, except in the case of account transfers).

FORTUNEO OVERVIEW

Fortuneo is a French online bank that has established itself as one of the leading names on the market. Launched in 2000 and part of the Crédit Mutuel Arkéa group, it now serves more than one million customers with a clear promise: a complete banking offer that is easy to use and free of unnecessary fees, whether you want to manage your everyday finances or grow your savings.

A current account and free bank cards

With Fortuneo, opening an account is done entirely online in just a few minutes, with no account maintenance fees. Three Mastercard cards are available free of charge depending on your profile: the Fosfo, with no income requirement, the Gold CB Mastercard, ideal for higher spending limits and enhanced insurance, and the World Elite CB Mastercard, the premium card offering concierge and exclusive services. This is rare on the market, as similar cards often cost several dozen euros per year at traditional banks.

The Gold and World Elite cards are subject to income requirements, and staying free depends on using your card regularly. Customers can also open a joint account and access American Express cards to enhance their banking experience.

The ideal bank for fee-free travel

Fortuneo is especially popular with travellers. All of its cards let you pay and withdraw cash abroad, in euros or in foreign currencies, without any fees charged by the bank. Whether you are going on holiday to the other side of the world, studying abroad or shopping on international websites, you stay in control of your budget with no unpleasant surprises on your statement.

The cards also include travel insurance and assistance, with broader coverage on the Gold and World Elite, covering trip cancellation, flight delays and medical expenses abroad. Everything you need to travel with complete peace of mind.

A complete offer for saving and investing

Beyond the current account, Fortuneo has built a strong reputation among savers and investors. The bank offers a Livret A, an LDDS, its own savings account with regularly boosted rates for new customers, and a life insurance contract with a wide range of funds, recognised for its performance and low fees.

For those who want to get into the stock market, Fortuneo is one of the pioneering online brokers, with a PEA and a securities account offering very competitive fees on shares and ETFs. The bank has also launched Cashback+, a free rewards programme with many partner retailers, and provides loan solutions to help finance your projects.

Award-winning customer service and a trusted bank

Fortuneo also stands out for the quality of its support. Its France-based customer service team can be reached by phone, chat and secure messaging, and was awarded the Customer Service of the Year 2026 label in the online banking category. The highly rated mobile app lets you track your accounts, manage your cards, make transfers and monitor your investments wherever you are.

Regularly named best online bank and cheapest bank in specialist rankings, Fortuneo also benefits from the financial strength of the Crédit Mutuel Arkéa group. Committed to supporting an NGO dedicated to protecting the oceans, it attracts new customers every year who are looking for a bank that is free, efficient and responsible.