How does Novo's referral program work?

Updated June 18, 2026

Our referral program lets you and someone you refer earn a bonus.

To qualify, the person you refer has to:

Use your unique referral link when applying.
Be approved and open a new account.
Deposit at least $100 within 30 days of opening.
Maintain a balance of at least $100 for at least 30 days after that first deposit.

You can find your unique link in your dashboard at Earn $40.

Keep in mind that referral links must be used during the application process and cannot be added after an account is already open.

You can see the requirements in the Referral Program terms & conditions. [https://www.novo.co/legal/novo-referral-program]