Bonus codes and referral offers for investors (2026)

Bonus code, referral code, promo code: what are we talking about?

Almost every investment platform rewards new customers who sign up through an existing customer. Depending on the platform, it is called a bonus code, referral code, promo code or affiliate link: the idea is the same. By signing up with the right link or code, you get a welcome reward you would not get by going straight to the website: a cash bonus, a percentage of cashback on your first investments, waived fees or a free share.

This page gathers more than 100 offers that we track and update: P2P lending, real estate crowdfunding, fractional and tokenised real estate, renewable energy, REITs (SCPI), stock brokers, online banks and neobanks. Use the filters above to show one category, then click a card to claim the bonus.

How does a referral bonus work?

• The referrer is already a customer and shares their link or code.
• The referee is you, the new customer, opening an account with that link or code.

Once the conditions are met (verified account, first deposit, first investment or a minimum number of trades), the platform pays a sign-up bonus to the new customer and often a referral bonus to the person who recommended it.

1. Pick an offer in the grid and click the card.
2. Create your account from that link, or enter the bonus code during registration.
3. Verify your identity (KYC), required on every regulated platform.
4. Meet the offer condition (deposit, minimum investment, holding period). The bonus is then credited.

Types of bonuses

Fixed welcome bonus

A cash amount credited after your first investment, common in real estate crowdfunding and online banking.

Percentage cashback

Widespread in P2P lending: the platform pays back a percentage (often 0.5% to 3%) of the amount invested during the first days or months, up to a cap.

Extra yield, waived fees and free shares

Some platforms add extra interest on your first loans; brokers and banks often refund trading fees, give a free share or pay an account-opening bonus.

Limited-time campaigns

On top of their permanent offer, platforms regularly run more generous time-limited campaigns. They are flagged on the relevant cards with their end date.

Referral programme or affiliate link: what is the difference?

A referral programme is open to every customer. An affiliate link is a partnership negotiated between the platform and a website such as Liberté Financière, which earns a commission when a new customer signs up. For you the result is the same: you pay nothing extra, and an affiliate bonus is often higher than a standard referral bonus because it is negotiated on volume.

How to choose a bonus

• Platform soundness: licence (ECSP in Europe, banking licence), track record, late payments and defaults, published financial statements.
• Condition: minimum amount, holding period, deadline.
• Cap: an “up to €500” offer requires a large investment; calculate what you will actually receive.
• Real return: a 1% bonus never makes up for a capital loss on a risky platform.

Our detailed pages explain the referee bonus, the referrer bonus and the conditions checked in each official document: Twino, PeerBerry, Bondora, Lendermarket, Maclear, Monefit, Nectaro, La Première Brique, Lande Finance, BoursoBank, Interactive Brokers.

Frequently asked questions (FAQ)

What is a bonus code?

A code entered at sign-up (or a link to click) that unlocks a welcome reward: cash bonus, cashback, waived fees or a free share. It is also called a promo code or referral code.

Is using a referral code free?

Yes. It costs nothing and does not change your fees or returns. The bonus is paid by the platform.

Can I add a bonus code after signing up?

Usually not: the code must be entered, or the link used, when the account is created. Click the offer card before you register.

When is the bonus paid?

Once the condition is met: verified account, first deposit or investment, sometimes after a holding period of 30, 60 or 90 days.

Can I withdraw the bonus?

In most cases yes, once credited, like any available balance. Some platforms require you to keep the initial investment for a minimum period.

Can I combine several bonuses?

Yes, one per platform. On the same platform, a campaign may add to the standard offer or replace it; our pages say whether it can be combined.

Are bonuses taxable?

A cash bonus is generally treated as income to declare, like interest. Rules depend on your country of residence: check the tax documents provided by the platform.

Why was my bonus not credited?

Most often: sign-up without the link or code, an existing account, condition not met or offer expired. Contact the platform support and mention the code you used.

Does a bonus make a platform safer?

No. A large bonus can be used to attract customers to a weak platform. Every investment carries a risk of capital loss: choose the platform first, the bonus second.