Top banking and fintech programs compared

About Top banking and fintech programs compared

Bank and fintech programmes rarely pay for a click, so the trade-off in this ranking is narrow: what an account is worth, how long a referral stays attributed, and whether the offer opens to you at all. Across 86 brands, most pay on CPA and nothing after, with a few adding revenue share or hybrid terms. Qonto offers the largest CPA in the group, bunq publishes a clear cookie window and named networks, and 1-800Accountant Affiliate Program holds the longest window. Lower down, referral schemes pay less per introduction and run in their home market only, so a publisher with a wider audience has less to work with. Wallester is the exception on recurrence, paying recurring commission. Recurring payouts cover 90% of this ranking against 44.5% site-wide, so budget for a payment per account unless a programme says otherwise. Cookie windows sit near 30 days here, and support reaches publishers by email 53.7% of the time and through a help centre 70.4%.

How we picked

The ranking is scored on the weights used across this site: cost at 40%, offer at 40% and trust at 20%. Cost covers the commission structure, the payout level and whether the model suits a banking offer. Offer covers the cookie window, the feature type and the regions the programme accepts publishers from. Trust covers support channels, the operator behind the brand and how the scheme is run. Commission terms, cookie days, payout thresholds, payout methods and payout frequency come from each brand's own affiliate and referral pages, and from network directories such as ShareASale listings, financeAds, Everflow, Daisycon, Tradetracker and cpa.club where the brand runs through a network. Support channels, headquarters, founding year and legal entity come from the brands' own pages and from public company records. Programmes listed as partners are placed first, ranked on the same score as the rest, and everyone else follows in score order. For context, cookie windows across the wider data set run 7 to 90, which frames every window quoted for the members here.

Our top picks

1. CL1. Comperia Lead

   Comperia Lead is in this ranking because it pays for volume of submissions rather than for a verified account. Commission per form: CPL, CPS, CPC covers CPL, CPS and CPC, and the direct scheme is run by the Polish operator Comperia.pl S.A., with direct listed as the route in. Payouts are the most frequent in this ranking at twice monthly, and support runs on email and help centre. Its verticals reach past banking into lending and insurance, banking, lending and insurance, which helps a publisher with a mixed finance audience. The limit is reach, since single country keeps it inside its home market, and commission does not repeat. Wallester, ranked below, is the member that does pay recurring commission.

   • Commission models: CPL, CPS, Cpc
   • Minimum payout: PLN 50
   • Payout frequency: twice monthly

   Pros

   • Commission is paid per form across cpl, cps and cpc, so a publisher can pick a lead, a sale or a click model per offer.
   • Payouts are released twice monthly once the balance clears PLN 50, a threshold close to €43.85 across the programmes tracked here.
   • Offers sit in banking, lending and insurance, giving a finance-focused publisher a clear niche and a short campaign list to run.
   • The programme is direct, so advertiser approval and commission terms come from the same desk.
   • A named operator, Comperia.pl S.A., sets out the payout terms, which matters when a lead is disputed.

   Cons

   • Recurring commission is not offered, so a funded account or an insurance policy pays once and then stops.
   • The programme runs in a single market with PL as its base, so traffic from other countries has less to work with.
   • Support runs on email and help centre only, so a publisher chasing a rejected lead waits for an email reply.
   • The model list for approved offers is cpl and cps and the wider catalogue runs on cpl, cps and cpc, neither of which includes revenue share, unlike Admitad's cpa, cpl and cps.

2. 3. Wallester

   Wallester is the member of this ranking that pays recurring commission, and it also offers the widest spread of models, cpa, cpl and revshare, mixing CPA, CPL, revenue share and hybrid. The staged payout described in EUR 100 + EUR 300 2-step PPL is a reason it sits here, and 60 days of attribution gives time to convert. Distribution runs through Daisycon and Tradetracker, and the operator is Wallester AS, founded 2016 in EE. It serves europe. The member below it, Berliner Volksbank, pays €100 for a successful referral, but inside its home market and with no recurring commission.

   • Commission terms: EUR 100 + EUR 300 2-step PPL
   • Cookie window: 60 days
   • Networks: Daisycon, Tradetracker

   Pros

   • Two-step PPL of EUR 100 + EUR 300 2-step PPL pays on a qualified lead that becomes a funded account.
   • cpa, cpl and revshare gives publishers a choice of models rather than a single payout type.
   • Recurring commission is on, so an account that keeps its balance keeps paying.
   • A 60 window sits at the upper end of the finance range, where the median is 30 days.
   • Daisycon and Tradetracker give publishers a second route in besides the direct programme.

   Cons

   • europe caps the audience, so North American traffic has little to convert here.
   • banking is narrow, which limits the number of pages a publisher can write.
   • The programme pays on a two-step PPL under EUR 100 + EUR 300 2-step PPL, so a lead that stalls before funding pays nothing.
   • 60 is a shorter window than the 90 day maximum seen in banking and fintech, so a slow decision costs the sale.

3. 4. Qonto: best for Top pick

   Qonto sits at the top of this ranking because it pays the largest CPA in the group and stays easy to promote. CPA per registration plus KYB bonus means a registration earns well beyond what most bank programmes here hand out, and direct and referral lets you take a tracked link or introduce a business you already know. Support reaches publishers on email, chat and phone, wider than most members below, and the programme runs across europe. Qonto pays no recurring commission, so the CPA is the whole deal. The member below, bunq, also works on CPA, but at €60 with a stated 30 day window and support limited to email, chat and help centre.

   • Commission terms: CPA per registration plus KYB bonus
   • Recurring commission: No
   • Payout per sale or signup: €200 to €500

   Pros

   • The model is a simple CPA, cpa, so there is no share of customer spend to track
   • Payment per registration runs €200 to €500, a solid fee for a banking sign up
   • A KYB bonus adds to the base CPA for every approved account
   • Support runs on email, chat and phone, so publishers have a direct route for questions

   Cons

   • Recurring commission: no, so an account pays you once and never again
   • The programme is europe only, so publishers outside that area cannot use it
   • The model is cpa alone, so a revenue share is not among the ways this programme pays

4. 5. Leadgid

   Leadgid earns a place in this ranking as the widest-reaching option, since global covers the globe rather than a named continent. cpa, cps and cpl lets a publisher pick between CPA, CPS and CPL, unusual in a category where CPA dominates, and 7% referral commission pays a referral commission on top of the tracked actions. Payouts are frequent, Weekly, and the threshold of $50 is low enough to clear between campaigns. The operator is Admitad GmbH, founded 2009 in DE, and its verticals reach lending alongside banking. Against it, support runs on email only, narrower than the members above.

   • Commission models: CPA
   • Publishers: 520,000
   • Minimum payout: $10

   Pros

   • Commissions run on cpa, so a qualifying lead or signup is all that has to convert, and tracking stays simple.
   • Referral is another earning route inside the same programme, paying 7% referral commission.
   • banking and lending keeps the catalogue focused, which suits a finance publisher rather than a general media buyer.
   • Reach is global, so a publisher can promote finance offers to audiences in several markets from the same account.
   • The programme is run by Admitad GmbH in DE and has operated since 2009, so a named company stands behind the payouts.

   Cons

   • Support runs on email only, so a disputed lead or a stuck payout waits on a written reply.
   • Withdrawals go to a bank account, webmoney and qiwi account, which narrows the choice for publishers paid outside those rails.
   • Only cpa appears in the model list, so a publisher chasing revenue share or recurring payments has nothing to weigh here, while Admitad lists cpa, cpl and cps.
   • $10 reads low, but the withdrawal threshold is $50, so a balance can sit below the bar longer than the headline figure suggests.

5. 6. Payhawk

   Payhawk is in this ranking for the size of a single referral payout. €1,000 per customer referral is a large sum for one introduction, and the programme works on CPA with a multi-region offer under europe and north america, unusual among members here. What it does not give you is a network or a tracked link: referral limits you to referring customers directly, and there is no recurring commission, so a referred account pays once. Leadgid, ranked below, spreads wider still under global and adds a published threshold, $50, with Weekly payouts, though its rate follows a referral commission structure rather than a fixed per-customer figure.

   • Commission terms: €1,000 per customer referral
   • Recurring commission: No
   • Payout per sale or signup: €1,000

   Pros

   • A single €1,000 per customer referral payout per customer referral, set at €1,000
   • Runs on a cpa model, so the payout follows a completed signup rather than a sale
   • Runs in europe and north america, the regions where most finance traffic already sits

   Cons

   • Recurring commission is not part of the programme
   • The stated feature is referral, so a direct offer is not listed
   • Listed for the banking vertical banking only, so other finance niches are not covered

6. 7. Berliner Volksbank

   Berliner Volksbank appears in this ranking as a plain referral scheme: 100 EUR per successful referral for a successful referral, CPA only, with no network to join. The legal entity is Berliner Volksbank eG, based in DE, and publishers can reach it on email and phone, a practical advantage over a member that only answers by email. The trade-off is reach, because single country holds the programme inside its own market, and commission does not repeat. PSD Bank Nürnberg, the member below, has the same shape and pays €100 per referral, on a bank founded 1872.

   • Commission terms: 100 EUR per successful referral
   • Recurring commission: No
   • Payout per sale or signup: €100

   Pros

   • A stated payout of 100 EUR per successful referral on a cpa basis, so conversion tracking decides the income.
   • Support runs on email and phone, giving publishers a direct route for tracking and attribution questions.
   • The offer stays inside banking, so the pitch is narrow and easy to keep accurate.

   Cons

   • Recurring commission is not paid, so a converted referral earns nothing further as that account ages.
   • The programme is a single country offer, so traffic from outside the home market does not qualify.
   • Support is limited to email and phone, with no live chat or community channel listed.

7. 8. bunq

   bunq earns its place in this ranking on clarity rather than size. The terms are stated plainly, Up to 60 EUR per verified signup, with 30 days to land the referral, and distribution runs through named networks, Everflow and financeAds, so approval is handled by established platforms. It covers europe and is supported on email, chat and help centre. The operator is bunq B.V., founded 2012 in NL. Commission is not recurring, which is the norm in this category. The member below it, 1-800Accountant Affiliate Program, keeps a far longer attribution window, 90 days, but works as a referral scheme rather than a tracked link.

   • Commission terms: Up to 60 EUR per verified signup
   • Cookie window: 30 days
   • Networks: Everflow, FinanceAds

   Pros

   • A published payout of Up to 60 EUR per verified signup, so a partner can forecast earnings per verified signup without waiting on a later sales total.
   • The 30 day window matches the 30 day median across programs here, so a standard account opening funnel fits inside it without special tracking.
   • Reach in europe through direct availability, which suits publishers with a European banking readership rather than global traffic.
   • Support runs on email, chat and help centre, so questions on tracking and attribution have a documented route.

   Cons

   • Recurring commission is no, so the payout ends at conversion with nothing afterwards; Qonto runs CPA per registration plus KYB bonus and adds a bonus on top of its registration payout.
   • Up to 60 EUR per verified signup sets the maximum for a verified signup, so real earnings per referral can sit below the headline figure.
   • A 30 day window places bunq at 39 of 129 brands ranked on cookie length here, behind the 90 day longest window in banking and fintech.
   • Support runs on email, chat and help centre only, with no phone channel for partners who need to talk a disputed referral through by voice.

8. 10. PSD Bank Nürnberg

   PSD Bank Nürnberg closes this ranking as a customer referral programme, up to 100 EUR per referral for a successful introduction, paid on CPA. The bank is the longest established institution in the group, founded 1872, and the scheme is run by PSD Bank Nuernberg eG, so referral means there is no tracked link to optimise. It fits a publisher already writing for its home audience, since single country keeps the programme local, and commission is not recurring. Compared with the member above, Berliner Volksbank, the payout has the same shape, though that member publishes its support options on email and phone.

   • Commission terms: up to 100 EUR per referral
   • Recurring commission: No
   • Payout per sale or signup: €100

   Pros

   • Single, easy to read payout of up to 100 EUR per referral per referred account
   • Referral format suits comparison and review content, the most common shape in banking
   • Bank is a long established cooperative, PSD Bank Nuernberg eG

   Cons

   • Recurring commission is no, so earnings stop without new referrals
   • Single-country reach rules out audiences outside the home market
   • One payout per referral caps income per reader, with no revenue share on cpa

What to look for

What an account is worth

Banking programmes pay for a finished signup, so the CPA is the anchor. CPA is the model behind 93.2% of programmes in this category, and the figure you can quote comes from each brand's own commission terms, such as CPA per registration plus KYB bonus.

How long a referral stays yours

Cookie windows decide whether a slow reader still counts. The median in this category is 30 days, the upper quartile 60 and the floor 7, so anything above the median is worth chasing.

Whether the payment repeats

Most banking money lands once. 90% of programmes in this ranking pay no recurring commission, and revenue share shows up in 4.5% of them, so recurring terms are the exception to look for.

Where the programme accepts you

Regional limits decide which members you can apply to. 66.7% of the category stays in its home market and 25.4% covers Europe, so an audience spread across several countries rules some programmes out before you start.

How you get paid and who answers

Thresholds and frequency set the cash cycle, and published thresholds are rare here, with Leadgid the only member stating one at $50. Support reaches publishers by email 53.7% of the time and through a help centre 70.4%.

Direct link or personal referral

A tracked link gives you something to optimise, a referral does not. 75.8% of programmes in this ranking are referral based against 45.2% that are direct, and Qonto offers both routes through direct and referral.

Frequently asked questions

Top banking and fintech programs compared by country

• Brazil
• Canada
• France
• Germany
• Italy
• Spain
• United Kingdom
• United States

The data behind this ranking

All data and the CSV