MyFin Referral Code
MyFin's Invite a Friend campaign paid €10 to both sides through an invite link, but it only ran from 1 to 31 August 2026 and closed on schedule. Rechecking MyFin's own documents on 1 September 2026 found no successor published; the stable URL myfin.bg/docs/en/referral.pdf carries the current rules if that changes. What follows is MyFin EAD's Bulgarian wallet and card account itself, which works the same with or without a live referral campaign.
If you sign up through this page, this site may receive the referrer's side of the reward. This never costs you anything extra.
Requirements to qualify
- MyFin's Invite a Friend campaign ran 1-31 August 2026 and closed on schedule; no successor has been published.
- While it ran, you had to register through the invite link, verify your identity and spend over €10 on card payments, with transfers, top-ups, cash withdrawals and betting excluded.
- Check myfin.bg/docs/en/referral.pdf yourself for the current rules before assuming an offer is live.
What the campaign paid, and when it closed
The reward was money credited to a MyFin profile, not points or a voucher, paid to both sides of the invite: the sender and the person who accepted it. Four things had to happen first: download the app through the invite link, register and enter the code, verify the profile with an identity document, and make card payments for more than the reward amount. Once done, the rules gave MyFin 72 hours to credit both accounts. The English and Bulgarian versions say the same thing, and both were still the only version published at a recheck on 1 September 2026.
The deadline is what matters now. The campaign ran from 00:00:00 on 01.08.2026 to 23:59:59 on 31.08.2026 under the rules at myfin.bg/docs/en/referral.pdf, and it closed on schedule: rechecking that document on 1 September 2026 shows no extension and no successor. This was a one-month campaign, not a rolling one with a nominal end date, and nothing on MyFin's site currently offers a way to earn the €10 through an invite link.
If you are reading this later still, check the position at that URL yourself. That URL is linked from the MyFin site footer and its tariff page, and MyFin replaces the document in place, so whatever campaign is current, if any, sits at that same address: read the dates in section 3 first. MyFin also reserves the right to change the rules once an amendment is published, and to terminate a campaign for force majeure or detected abuse, with no compensation to anyone caught mid-way through.
Who MyFin EAD is, and which regulator stands behind it
MyFin is operated by MyFin EAD, UIC 206066023, registered at 111P Tsarigradsko shose Blvd., 1784 Sofia. Its general terms state it holds a licence to operate as an electronic money institution and provide payment services, issued by Decision No. 71 of 27.02.2020 of the Bulgarian National Bank's Governing Council, which supervises its activity, and that it is entered in the BNB's public register of electronic money companies and the European Banking Authority's register of payment and electronic money institutions. That is a real licence with a named supervisor, checkable in both registers rather than taken on trust.
Scale is worth being clear about, because the app looks like the pan-European neobanks and is not one. MyFin EAD is a subsidiary of First Investment Bank, known as Fibank, launched with Mastercard, and it is a single-country issuer built around Bulgarian daily life. It publishes no customer numbers. An e-money licence passports across the EEA in principle, but MyFin publishes no list of countries it accepts customers from and markets the account nowhere outside Bulgaria.
One more thing, because the name is crowded. Several unrelated services trade as MyFin, the closest being myfin.by, a Belarusian financial news and bank comparison portal that is not a wallet and holds nobody's money. It has no connection to MyFin EAD and does not operate the wallet. If you arrived looking for Belarusian bank rate tables, that is a different site entirely.
What MyFin actually costs to use
The free Standard plan is genuinely free at the points most accounts charge. Registration, opening an account, account maintenance, virtual and physical card issuance, the monthly card fee, card payments at POS merchants, transfers to other app users by mobile number, card limit changes and cash deposits at a Fibank ATM are all listed as free of charge on MyFin's tariff page, checked 28 August 2026.
The charges start where you leave the app. A SEPA transfer costs €0.28 whether you send it standard or instant. A SWIFT transfer in dollars costs 0.5% with a minimum of USD 7. Cash out of an ATM costs €0.51 inside the EEA and €1.53 outside it, on every withdrawal, with no free monthly allowance. Getting the plastic card posted costs €5 inside Bulgaria and €35.79 anywhere else in the EEA. A gold account carries a €1.53 monthly fee on the free plan.
Two paid tiers cut those. Advanced costs €6.14 a month, bringing SEPA transfers to €0.15, SWIFT to 0.3% with a USD 5 minimum, the gold account fee to €0.77, and giving you three accounts and three cards of each type. Premium costs €10.23 a month and makes every transfer and every ATM withdrawal free, anywhere, with no gold account fee and up to 150 cards of each type. Whether either pays for itself is arithmetic on your own habits, and for most free-tier users it will not.
Currency conversion is the line to read carefully. The tariff lists "Exchange of foreign currency" as free, true of the fee, not the cost: the general terms say currency is bought and sold at MyFin's own rates set at the time of the transaction, plus a Tariff fee for exchanging one foreign currency for another. MyFin publishes no percentage margin over the reference rate anywhere, so the only way to see what a conversion costs is comparing the app's rate against the interbank rate at that moment. Since Bulgaria adopted the euro on 1 January 2026 at the fixed rate of 1.95583 lev, euro balances no longer convert at all, removing the question for domestic spending and leaving it open for anything else.
How the campaign worked, for whenever it returns
This is how the August round worked, worth recording since a future round would likely run the same way: there was no public landing page and no code posted anywhere, the link was generated inside an existing user's app under More, then Invite a Friend. Whoever sent the link received the same amount as the person who accepted it. None of this is currently claimable. Before following these steps, open myfin.bg/docs/en/referral.pdf and confirm a live campaign actually exists.
- Downloading the MyFin app had to happen through the invite link, not from a plain search in the store.
- Registering meant entering the code that came with the link; the rules described no route to add it later.
- Verifying the profile with an identity document.
- Making successful card payments totalling more than €10, on real purchases only.
- Waiting up to 72 hours after the last step before assuming anything had failed.
Safeguarding is not deposit insurance, and the gold account is neither
MyFin's general terms are unusually direct about this, and the wording matters. Funds held in accounts at an electronic money institution do not constitute a deposit or other repayable funds, and no interest accrues on them. MyFin holds customer money in a separate safeguard account, one for each currency it maintains balances in, registered in the company's own name at a credit institution in Bulgaria.
So your balance is ring-fenced from MyFin's own money and should be returned from that pool if the company failed, but no Bulgarian Deposit Insurance Fund payout stands behind it the way one stands behind a bank deposit, and Fibank being the parent does not stretch a bank's guarantee over its subsidiary's wallet. That is a reason not to park savings here rather than a reason to avoid the account: keep money you cannot afford to chase somewhere a guarantee scheme covers.
The gold account is a separate case and the terms spell it out. Its balances are covered neither by the Bulgarian Deposit Insurance Fund under the Bank Deposit Guarantee Act nor by the Investor Compensation Fund under the Public Offering of Securities Act. Gold is bought and sold at MyFin's own rate for the day, in amounts from 0.01 XAU, and the terms require you to accept that the price can fall as well as rise. It is an unprotected commodity position inside a payments app, fine if you know that and a nasty surprise if you assumed the wallet's ring-fence covered it too.
Pros, cons, and who this actually suits
What MyFin does well is the free tier. A personal IBAN, a virtual and a physical card with no issuance charge and no monthly fee, free card spending, free transfers between app users, junior profiles for children, multi-currency balances and free cash deposits at Fibank ATMs is a strong package to pay nothing for, and when the referral reward was live, it paid money to both sides rather than credit that expires.
What is wrong with it is mostly what happens at the edges. Every ATM withdrawal costs something, even inside the EEA, where accounts aimed at travellers typically include a free monthly allowance. Every outbound SEPA transfer costs money on the free plan. Nothing you hold earns interest, by law rather than by choice. The conversion margin is unpublished. And the referral itself is a dated one-month campaign that MyFin can amend or end at will, not a standing offer.
This suits someone living in Bulgaria who wants a free second account and card alongside an existing bank, pays utility bills and parking from their phone, and treats the balance as spending money. It does not suit someone outside Bulgaria: almost everything useful here is domestic, and a passported EEA account will serve you better with a country list you can actually read. It does not suit anyone looking for a savings home either, since the balance pays nothing and the one investable product sits outside both compensation schemes.
The Fibank connection, and why this wallet is built for Bulgaria
The parent relationship shows up in places a generic review would miss. Cash deposits are free at Fibank ATMs, the only free route to get physical money in, and Fibank retains any note flagged as suspicious or counterfeit during processing, deducting its value until it is verified. MyFin also operates electronic food vouchers, a Bulgarian employer benefit with no equivalent in most of the EU.
The account's utility functions are geographically bounded by definition. The general terms define a utility payment as settlement of household and other obligations on the territory of the Republic of Bulgaria, denominated in lev, paid online through MyFin. Vignettes and parking sit in the same category: national road tax and city parking schemes that mean nothing abroad.
The promotions follow the same pattern. MyFin's news page lists a 20% discount on parking payments through blink from 15 June to 15 September 2026, a Tuesday Mastercard day paying 10% cashback on food and drinks paid for with a registered Mastercard, and a January 2026 Kaufland campaign putting up 300 shopping vouchers worth €250 each for card users, all checked 28 August 2026. Every one is a Bulgarian merchant or service. The sign-up reward is, in the end, the least Bulgaria-specific thing here, which is exactly why it is the wrong reason to open one.
MyFin referral code FAQ
Is the MyFin Invite a Friend campaign still running?
No. The rules at myfin.bg/docs/en/referral.pdf covered 1 to 31 August 2026 and the campaign closed on schedule. Rechecking that document on 1 September 2026 found no successor published. MyFin replaces the file in place at that address, so open it yourself and read the dates in section 3 before assuming anything about the offer's current state.
How much was the reward and when did it arrive?
When the campaign was running, it paid €10, credited to the MyFin profile within 72 hours of the last qualifying step, with the same paid to whoever sent the invite. The rules quoted it in lev too, at 19.56 BGN, identical at Bulgaria's fixed euro rate. None of that is currently claimable; see the previous answer.
What spending counted toward the qualifying purchase?
Under the August rules, only genuine purchases of goods or services from a merchant counted. Excluded were transfers, money and quasi-cash operations, international transfers, funding an account or wallet, cash withdrawals and ATM transfers, and all betting websites; MyFin could also demand an invoice or other proof in a dispute. A future campaign would likely apply the same restrictions, but confirm at the URL above rather than assume.
Is money in MyFin protected like a bank deposit?
No. Balances at an electronic money institution are not deposits, earn no interest, and are held in a separate safeguard account at a Bulgarian credit institution rather than covered by the Bulgarian Deposit Insurance Fund. Gold account balances are outside both that fund and the Investor Compensation Fund.
What does MyFin charge on the free plan?
Nothing for registration, maintenance, either card, POS payments or in-app transfers. It charges €0.28 per SEPA transfer, €0.51 per ATM withdrawal inside the EEA and €1.53 outside, and 0.5% with a USD 7 minimum on dollar SWIFT transfers, per its tariff page on 28 August 2026.
Can I open a MyFin account from outside Bulgaria?
MyFin publishes no country eligibility list, and its rules require only a legally capable individual rather than Bulgarian residence, so the practical gate is whether it will verify your identity documents at registration. Even if it does, utility payments, vignettes, parking and Fibank cash deposits are all Bulgaria-bound, so there is little left to use.
Where do I find the invite link?
Inside an existing user's MyFin app, under More, then Invite a Friend. Nothing is posted publicly, because the link and code are generated per account.
