Revolut Referral Code Netherlands 2026: Who Gets the €100 and What Counts

Short answer: Frank's current Revolut campaign can pay Frank €100 when a personally invited friend completes every in-app requirement before 15 September 2026. The screen does not promise the new customer €100. This page does not publish the personal invite link because Revolut's referral terms require Frank to be the sole sender, know the invitee, have permission to contact them, and avoid unsolicited referrals.

That distinction matters. Many “referral code” pages imply that a number belongs to everyone or that both people automatically receive the headline amount. Revolut campaigns vary. The invitation screen and campaign terms decide who can earn what.

If you are deciding whether the account fits you independent of a temporary reward, compare Revolut, Wise, and bunq in the Netherlands.

Who gets the €100 in Frank's campaign?

Frank's in-app screen says “Earn €100 per friend.” That is a reward offered to Frank as the referrer. The screen supplied for this review does not show a matching €100 reward for the friend.

Revolut's help centre states that only the person inviting friends is eligible for a referral reward unless Revolut explicitly communicates another reward. The general terms also say any reward for the invitee will be set out clearly in the promotion invitation.

The honest message is therefore:

Frank may earn €100. The new customer receives only the offer, if any, shown to them by Revolut.

Do not infer an invitee bonus from the referrer's headline.

What are the current requirements?

Frank's campaign screen and Revolut's official help content together show this path:

1. The invitee must be new to Revolut and open a Personal account through the unique personal link.
2. The invitee must verify their identity in the Revolut app.
3. The invitee must add money by an eligible method. A transfer from another Revolut customer does not count.
4. The invitee must order a qualifying physical Personal card before the deadline. Delivery cost can apply.
5. The invitee must make three eligible card purchases of at least €5 each for Frank's current campaign.
6. Every required step must be completed before 15 September 2026.

The referrer's in-app screen is the controlling source for the number and minimum value of payments. Other campaigns can require a different number, amount, or schedule.

Which purchases count?

Revolut says eligible card payments can be made online or in a store with a physical or virtual card, including through Apple Pay or Google Pay. Each payment must meet the campaign minimum visible to the referrer.

The help centre excludes payments related to:

• currency-exchange service providers;
• payment-processing websites;
• gambling;
• gift cards;
• money transfers.

Cash-like activity does not become an eligible purchase because it passes through a card. Refunds and reversed transactions can also invalidate a requirement.

Three normal merchant purchases above €5 are easier to reason about than trying to game the classification. Revolut makes the eligibility decision.

Does the physical card need to arrive before the deadline?

The current help article says the invitee must order the physical card before the referral deadline. Frank's visible campaign screen also says to order a physical card. The complete in-app conditions can contain additional timing detail, so the referrer should check the live campaign progress page.

Do not delay the order until the final day. Delivery can cost money and can take time. Cancelling the card before it arrives is one of Revolut's examples of a reversed step that can invalidate a reward.

Why is the referral link not public?

Revolut's Netherlands referral terms say the referrer must:

• send the unique link through the referral flow;
• be the sole sender of the message;
• refer only people they know;
• have permission to contact them;
• avoid unsolicited referrals;
• avoid misleading anyone.

A public SEO page is available to strangers and can be copied, reposted, or distributed by people other than the referrer. That is incompatible with the personal, permissioned structure in the published terms.

Revolut says it can cancel rewards and may close an account for abuse or rule-breaking. A temporary referral payout is not worth putting the account or editorial trust at risk.

Referral link versus affiliate link

These are different programmes.

A personal referral link is an in-app invitation for people Frank knows. It is campaign-limited and governed by the referral terms.

An affiliate link is a public promotional link supplied through Revolut's official affiliate programme on Impact. Revolut says approved partners receive a unique tracking link or co-branded landing page and access to pre-approved creative assets.

FrankX will use only the normal Revolut URL until an official affiliate application is approved. If an affiliate link becomes active, the page will disclose it clearly. The personal €100 link will remain private.

How long does the reward take?

Revolut's general referral terms say a reward is paid within ten business days after the invitee completes the required steps. The campaign progress screen in the referrer's app shows whether Revolut has recognised each step.

If a step does not register, the invitee or referrer should use Revolut's in-app support. FrankX cannot inspect or fix a Revolut account.

A safe message to someone you know

Use plain disclosure:

You mentioned you were considering Revolut. I have a personal invite that may pay me €100 if you are new, sign up, verify, add money, order a physical card, and make three eligible €5+ purchases by 15 September. I do not see a €100 bonus promised to you, so please decide based on whether the account fits and what Revolut shows during signup. Want me to send the link?

Only send the link after the person says yes. Do not bulk-message a contact list or follow up repeatedly.

Should you join for the referral campaign?

No—join only if Revolut fits your actual use case after you understand the fees, protection, and alternatives. A referral reward is paid to the referrer in this campaign and can disappear, change, or fail if a requirement is missed.

Read the Revolut plans guide, fee guide, and Revolut vs Wise vs bunq comparison before treating a temporary promotion as a product decision.

FAQ

What is Frank's Revolut referral code?

There is no public code. Frank's invite is a unique personal link, and Revolut's terms require personal, permissioned invitations to people the referrer knows.

Does the invited friend get €100?

Frank's current screen offers €100 to Frank per qualifying friend. It does not show a €100 invitee reward. The invitee receives only an offer that Revolut explicitly shows to them.

What must the friend buy?

Frank's current campaign requires three eligible card purchases of at least €5 each. Normal online or in-store card purchases can qualify; transfers, gambling, gift cards, payment processors, and currency-exchange providers are among the exclusions in Revolut's help content.

When does Frank's €100 campaign end?

The current in-app screen says the friend must complete the campaign before 15 September 2026. Revolut can change or end a promotion under its terms, so the live app remains authoritative.

Can a Revolut referral link be posted publicly?

Revolut's Netherlands terms require the referrer to be the sole sender, know the invitee, have permission to contact them, and avoid unsolicited referrals. FrankX therefore does not publish the personal link.

Evidence checked 27 August 2026: Frank's private in-app campaign screen · Revolut referral terms · Revolut referral conditions · Revolut affiliate programme

This is an independent explanation of a time-limited campaign, not a promise of eligibility or payment. Revolut's live in-app terms control.