ING brings back its referral scheme with 150 euros per friend
ING is offering 150 euros gross to customers who refer a friend between July and August 2026. Requirements, deadlines and what they don't tell you.
English · Original discussion in Spanish · Published
ING is once again paying 150 euros for referring a friend
The orange bank has reactivated its referral scheme between 7 July and 30 August 2026. The offer lets you earn 150 euros gross if the new customer opens a Cuenta NÓMINA (salary account) and a Cuenta NARANJA (savings account), enters the referrer's DNI (Spanish national ID) during sign-up, and has their salary, pension or unemployment benefit paid in, or makes monthly transfers of at least 700 euros for six consecutive months. Payment is subject to the referrer receiving the amount before 31 October 2026.
Good deal or a trap?
The promotion looks like a straightforward incentive, but it's worth reading the fine print. The 150 euros are gross, so the tax authorities will take their cut. It also requires keeping both accounts active and meeting the income requirements for six months. If you're already thinking of switching banks, it could be a nice bonus. If not, the administrative hassle may not be worth it.
The dark side of referrals
The referral system has led to aggressive practices on forums and social media, where some users post their codes insistently. The line between legitimate advice and spam is thin. On this occasion, the offer has drawn criticism for its promotional nature and the tone of some of the messages accompanying it, although the mechanics are legal and common in digital banking.
The orange bank has reactivated its referral scheme between 7 July and 30 August 2026. The offer lets you earn 150 euros gross if the new customer opens a Cuenta NÓMINA (salary account) and a Cuenta NARANJA (savings account), enters the referrer's DNI (Spanish national ID) during sign-up, and has their salary, pension or unemployment benefit paid in, or makes monthly transfers of at least 700 euros for six consecutive months. Payment is subject to the referrer receiving the amount before 31 October 2026.
Good deal or a trap?
The promotion looks like a straightforward incentive, but it's worth reading the fine print. The 150 euros are gross, so the tax authorities will take their cut. It also requires keeping both accounts active and meeting the income requirements for six months. If you're already thinking of switching banks, it could be a nice bonus. If not, the administrative hassle may not be worth it.
The dark side of referrals
The referral system has led to aggressive practices on forums and social media, where some users post their codes insistently. The line between legitimate advice and spam is thin. On this occasion, the offer has drawn criticism for its promotional nature and the tone of some of the messages accompanying it, although the mechanics are legal and common in digital banking.
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Summary of a discussion on Burbuja.info - Foro de economía, actualidad y política., translated from Spanish and reviewed before publication. Read the full discussion (37 replies).
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