Updated September 28, 2026 · AffCue Editorial Team
bunq vs PAYONE
Where bunq and PAYONE differ
| Compare |  bunq |  PAYONE |
|---|---|---|
| Commission terms | Up to 60 EUR per verified signup | up to 125 EUR per sale |
| Cookie window | 30 days | 45 daysHigher |
| Networks | Everflow, FinanceAdsCovers more | FinanceAds |
| Payout per sale or signup | €60 | €125Higher |
| Payout frequency | Not confirmed | monthly via financeAds |
Same on both: Recurring commission (No), Verticals (Banking).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Cookie window is higher at PAYONE: 45 days vs 30 days.
- Payout per sale or signup is higher at PAYONE: €125 vs €60.
- Support channels: only bunq offers Chat, Help centre.
- Networks: only bunq offers Everflow.
- Pricing model: only PAYONE offers CPL.
Our verdict on each
bunq
bunq is a banking program for publishers with European audiences, paying Up to 60 EUR per verified signup on a CPA model with a 30 day window. It fits partners who prefer a payout per verified signup over revenue share, though no recurring commission caps the lifetime value of each referral.
PAYONE
PAYONE is a single-vertical banking programme in europe with a 45 day cookie window, and it suits publishers who already reach finance readers. Handling sits with financeAds, so onboarding and payouts stay in one place. Payouts run monthly through that same network, so statements arrive on a predictable schedule.
Earnings on 10 sales of 100
bunq
€600
10 × €60
PAYONE
€1,250
10 × €125
PAYONE comes out €650 ahead.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
A third option
LYNX B.V. Germany Branch has payout per sale or signup at €160, against €60 for bunq and €125 for PAYONE.
LYNX B.V. Germany Branch reviewSources behind this comparison
bunq
- bunq.com: 7 facts, checked September 26, 2026
- en.wikipedia.org: 3 facts, checked September 26, 2026
- financeads.com: 3 facts, checked September 26, 2026
PAYONE
- payone.com: 10 facts, checked September 26, 2026
How they place
| Ranking | bunq | PAYONE |
|---|---|---|
| Finance affiliate programs | 38 of 425 | 65 of 425 |
| Banking and fintech programs | 8 of 86 | 14 of 86 |
Every fact side by side
| Fact | bunq | PAYONE |
|---|---|---|
| Pricing model | CPA | CPA, CPLCovers more |
| Features | Direct | Not confirmed |
| Region | Europe | Europe |
| Legal entity | bunq B.V. | PAYONE GmbH |
| Headquarters | Netherlands | Germany |
| Founded | 2012 | Not confirmed |
| Support channels | Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | bunq | PAYONE | Median |
|---|---|---|---|
| Cookie window | 30 daysat the median | 45 daysabove the median | 30 days |
| Payout per sale or signup | €60above the median | €125highest quarter | €50 |
Median across 146 listed affiliate programs.
Pros and cons
bunq
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.
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.
PAYONE
Pros
- A 45 day window, above the 30 day median for banking programmes, so slow signups still count.
- Payouts are monthly via financeAds, which makes month to month forecasting straightforward.
- Covers europe, so a European finance audience is the natural traffic match.
Cons
- Recurring commission: no, so nothing keeps paying after the first approved sale.
- Support runs on email only, which slows anything urgent.
- Joining runs through financeAds alone, so there is no separate direct route into the programme.
Who each suits
bunq
Who it suits
- Publishers with a European readership in banking who can send readers into an account opening and verification flow, since the program is scoped to europe.
- Partners who prefer a predictable CPA line item: Up to 60 EUR per verified signup per verified signup, credited inside a 30 day window.
- Sites that want direct access to the brand alongside network options, since the program is listed as direct and works through Everflow and financeAds.
Who should look elsewhere
- Publishers chasing lead volume: Mintos runs Hybrid lead and CPA commission, so it pays for leads as well as completed accounts.
- Anyone wanting a sales based payout that keeps earning after the referral: Admitad pays 5% per sale, which suits ecommerce traffic rather than bank account reviews.
- Publishers whose traffic sits outside europe, since the program is recorded for Europe and no other market is listed.
PAYONE
Who it suits
- Publishers with an existing European finance audience who can send qualified banking signups.
- Sites already running inside financeAds and content with one network to handle tracking.
- Anyone comfortable with a one-off payout per sale rather than an ongoing revenue share.
Who should look elsewhere
- Mintos, whose Hybrid lead and CPA commission suits publishers who want leads and confirmed sales valued in one structure.
- Qonto, where CPA per registration plus KYB bonus is the deal shape that business banking audiences fit better.
- Admitad, whose 5% per sale suits retail and ecommerce traffic rather than banking signups.
Country by country
| Country | bunq | PAYONE |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
Questions about each
bunq
How much does bunq pay for a referred signup?+
The published rate is Up to 60 EUR per verified signup, tied to a signup that completes verification, and the CPA amount behind that figure is €60. The model is CPA, so the payout attaches to the conversion itself rather than to any later balance or spend the account makes. The stated figure is a ceiling, so individual conversions can pay less than the headline rate.
How long is the cookie window?+
The window is 30 days, which is the standard length across most programs here: the median listed is 30 days and the upper quartile 60 days. On cookie length bunq ranks 39 of 129 brands, so a referral that converts after the window closes earns nothing for the publisher.
PAYONE
How much does PAYONE pay per sale?+
Commission is up to 125 EUR per sale, on a cpa and cpl basis. The model covers both a cost per action and a cost per lead, so the payout follows the type of conversion the programme counts. Nothing recurs after the approval, so each accepted sale is a one-off payment.
How long is the cookie window?+
The window runs 45 days, longer than the 30 day median for banking programmes. Banking signups often follow a long research phase, so the extra cover gives recommendations time to convert instead of expiring.