C24 Bonus 2026: Claim €75 Starting Credit for the Smart Account – Here's How
C24 is currently giving new customers €75 starting credit for the free Smart account. I'll show you step by step how the switching reward works: the conditions, the digital account switch within 90 days, when the €75 arrive – and the pitfalls that otherwise cost you the bonus.
Table of contents
C24 Bank is currently giving new customers €75 starting credit for opening a current account and moving their old account over to C24 via a digital account switch. I use the C24 Smartkonto myself and think that, for a switch you were planning anyway, €75 for free is one of the better rewards on the market – especially as the account is permanently free. In this post I'll walk you through how the promotion works, what you absolutely need to watch out for, and where the reward tends to fall through.
Quick note first: this is not financial advice, just a look at my partner promotion. The link is an affiliate link – if you use it, you support my work at no extra cost to you; on the contrary, you secure the reward. Still, read the participation terms on the promotion page yourself, as deadlines and details can change.
The promotion at a glance
Through my C24 link* you get as a new customer:
- €75 starting credit to your new C24 current account
- valid for all plans: Smart (free), Plus and Max
- no minimum deposit required
- the only condition is a digital account switch of your old current account within 90 days
The account itself costs €0 per month in the Smart plan, comes with a Mastercard Debit and a Girocard (both free) and pays 0.75% p.a. interest on your balance. More on that in my detailed C24 Smart account review.
Important: what you absolutely need to watch out for
The conditions are fair, but there are a few points where the reward otherwise slips away:
- Genuine new customer: you must not have held a C24 account in the last 12 months. The reward is available once per person.
- The account switch is mandatory. Opening the account alone isn't enough – you have to move your old current account via the digital account switch (switching service) and have it fully closed.
- 90-day deadline. The switch, including closing the old account, must be completed within 90 days of opening.
- Start via the link. Actually begin the opening through my promotional link* so the reward is assigned correctly. You usually don't need a separate voucher code.
- Of legal age, residence & tax status in Germany, identity verification with a valid ID, smartphone for the app.
- C24 can change or end the promotion in case of abuse or for good cause – so check the conditions again right before signing up.
How to secure the €75
1. Start via my link Click my C24 promotional link* and open your free C24 current account (Smart is enough) as a new customer.
2. Open the account & verify Complete the opening including identity verification (e.g. video or photo ident) fully in the C24 app.
3. Start the digital account switch Use the switching service in the app: standing orders, direct debits and the remaining balance are transferred, and your old current account is closed. Important: the switch must run through completely within 90 days.
4. Wait for the credit About 14 days after the full closure of your old account, the €75 land automatically in your C24 current account. Your account must still exist at that point.
When exactly do the €75 arrive?
The trigger is not the account opening but the completed account switch. Once your old current account is fully closed via the digital switch, it takes about two weeks for the reward to be credited. So allow some time: a few weeks can pass between opening, switch and payout, depending on your old bank. As long as you stay within the 90-day window, that's no problem.
Is the C24 account worth it even without the promotion?
Yes – and this matters to me: a reward is only really good if the product behind it holds up without the bonus. That's the case with the C24 Smartkonto. You get a permanently free current account with a Girocard and Mastercard, 0.75% interest on your balance, four pockets to split your money and fee-free payments worldwide. The €75 are the cherry on top of an account I'd recommend anyway. I've summarised all the details, pros and cons here: C24 Smart account review 2026.
Who is the promotion right for?
- are looking for a new, free current account and want to switch anyway
- have an existing current account you can close via the account switch
- haven't held a C24 account in the last 12 months (are a genuine new customer)
- want to take €75 for a switch you were planning anyway
- don't want to or can't close an old current account (the switch is mandatory)
- were already a C24 customer in the last 12 months
- don't want to use a smartphone for the C24 app
Verdict
If you're looking for a new current account anyway and still have your switch ahead of you, this promotion is a no-brainer: open a free account, close the old one via the digital switch, pocket €75. Just watch the three key points – genuine new customer, switch is mandatory, 90-day deadline – and the reward won't slip away. Best to start now, while the promotion is live: open a C24 account via my link and claim €75*.
Links marked with * are affiliate links. If you open an account through them, you support my work – at no extra cost to you; you secure the reward. Thank you!
Frequently asked questions
How high is the C24 new-customer bonus right now?
Currently you get €75 starting credit as a new customer if you open a C24 current account and close your old current account via the digital account switch. The bonus applies to all three plans: Smart (free), Plus and Max.
What do I have to do for the €75?
Three things: (1) open a free C24 current account as a new customer through my link and verify your identity, (2) start the digital account switch (switching service) and have your old current account fully closed within 90 days, (3) wait for the credit. There's no minimum deposit.
When are the €75 paid out?
The €75 are credited automatically about 14 days after your old account is fully closed via the digital account switch, to your new C24 current account. The condition is that your C24 account still exists at that point.
Do I need a voucher code for the C24 bonus?
Through my promotional link the reward is assigned automatically – you usually don't need to enter a separate code. What matters is that you actually start the account opening via the link. Still, check the current promotion conditions directly at C24 before you finish.
Who gets the C24 bonus – does it apply to existing customers?
No, the reward is for new customers only. You must not have held a C24 account in the last 12 months. You also need to be of legal age, have your residence and tax status in Germany, and verify your identity with a valid ID.
Until when does the C24 €75 promotion run?
Promotions like this are time-limited; the most recent deadline was 30 September 2026. Since the end date can change, it's best to check the promotion page via my link right before opening to see whether the €75 are still active.
What happens if I don't close my old account in time?
Then your claim to the reward lapses. The digital account switch, including the full closure of the old account, must be completed within 90 days of opening – otherwise there are no €75.
Disclaimer
⚠️ Not investment advice
All content is for information and entertainment purposes only and does not constitute investment advice, a buy recommendation or an invitation to enter into a financial product. Please do your own research and make decisions based on your personal situation and risk tolerance.
📉 Risk warning & total loss
Investments in securities and other financial instruments generally carry significant risks (e.g. price, market, currency, volatility and credit risks). A total loss of the capital invested cannot be ruled out.
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✅ DYOR (Do Your Own Research)
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Advertising & affiliate notice
Links marked with * are advertising or affiliate links. If you sign up or buy something through such a link, I may receive a commission – at no extra cost to you. This supports my work.
