EU payments referral codes
The payments category is narrower than banking — most consumer payment flows in the EU now sit inside a banking app or a fintech wallet — but there is still a distinct group of payment-first platforms (PayPal being the canonical example) where signing up via a referral can be worth a small bonus on a first qualifying transaction. These services are PSD2-regulated rather than under a traditional banking licence, so consumer protection differs slightly; each brand page spells out the licence type. We've personally signed up for every payment service listed here and verify the bonus on the schedule shown on each brand page.