J&T Direktbank review

The programme pays 30 EUR per Festgeld referral under a cost per action model, so the money follows a referred Festgeld, the German word for a fixed-term deposit, rather than a click. Recurring commission: no, so that customer is worth a payment and nothing after it. The feature list is referral, and that is the whole offer.

Commission is paid within 8 weeks after conditions, which means an approved referral can sit unpaid for a long stretch. Payment runs by bank transfer, so you need a bank account set up to receive it. Plan your cash flow around the wait rather than around the amount.

Recurring commission: no. Each referred fixed-term deposit is worth €30 and nothing beyond that, so the earning stops rather than following the deposit over time. If your model depends on repeat payments from the same person, compare the alternatives, which use different structures.

It is a single country offer from a Czech bank working through its German branch, J&T BANKA, a.s., Zweigniederlassung Deutschland. Your audience needs to sit in Germany for a referral to count, and a reader elsewhere on your site will not produce one, so plan link placement around German traffic.

Per referred term deposit you earn €30. Across finance programmes here the median minimum payout is €43.85, so a single referral often sits below the bar, and the volume you send decides whether a month is worth the wait.

It suits a publisher with a German readership on banking or personal finance who wants a flat payment per customer and can wait for it. If your income depends on repeat value from the same person, the pay once structure works against you. It also suits a beginner, since 30 EUR per Festgeld referral is easy to explain on a page.

The vertical is banking, and the group dates back to 1998 with headquarters in Czechia. The offer is a term deposit referral, so the conversion you are paid for is a real banking product rather than a trial, a download or a lead that never converts.