eToro bonus: 5% back in shares, locked for a year
Until 31 December 2026 eToro pays 5% of your net crypto deposits back in shares: at most 1,000 US dollars a month, locked for a year. No promo code needed.
eToro replaced the terms of its crypto deposit bonus on 8 October 2026. The offer is called End Year Promo 2026 and runs from 8 October up to and including 31 December 2026. You get 5% of the net amount of crypto you transfer to eToro in a month back in shares, capped at 1,000 US dollars per calendar month. Those shares are locked for one year. We read all five pages of the terms on 11 October 2026.
In short
- What you get: 5% of your net amount for the month, in shares rather than cash.
- Cap: 1,000 US dollars per calendar month. You reach it at 20,000 US dollars net.
- Locked for a year: you cannot withdraw the shares for one year after they are credited.
- You choose: you pick a share within thirty days. Miss that window and the month's reward is forfeited.
- Promo code: not needed. You do not have to sign up for the offer either.
- Welcome bonus: no. The terms make no distinction between new and existing customers.
The terms point by point
How eToro works out the net amount
You do not get 5% on every deposit. eToro calculates per calendar month and in US dollars, in three steps (clauses 4.2 to 4.4):
- Crypto in, minus crypto out. Add up the crypto that settled as a position in your portfolio that month. Each deposit is valued at the moment it settles, not at the month-end price. Subtract the crypto you move out of eToro in the same month. Sales inside eToro and transfers to your eToro wallet are not subtracted.
- Minus your net cash withdrawals. If you withdraw more cash than you deposit that month, the difference is deducted. Card payments do not count as withdrawals; cash taken out at an ATM does.
- Plus any shortfall from the previous month. If you end up at zero or below, you get nothing that month and the shortfall is carried into the next one. A reward that has already been paid is not reduced.
The table shows our own worked examples using the rules in clause 4. Anything above 20,000 US dollars net earns nothing extra and does not roll over to the next month. The offer spans three calendar months, so the most you can get over the whole period is 3,000 US dollars. A shortfall still open on 31 December lapses.
Anyone moving crypto back and forth to inflate the net amount risks losing the reward and having their account blocked (clause 6.8).
Choose a share, then wait a year
In the month after your deposit, eToro sends an email with a link (clause 2). You use it to pick a share yourself from eToro's list. That list is put together on factors such as liquidity and market capitalisation and, according to the terms, is not an investment recommendation (clause 5.2). You have thirty days from the day the email is sent. eToro sends no reminder and does not choose for you (clause 5.7).
The share is in your account within ten business days of your choice (clause 5.1). From that day you cannot withdraw it for one year (clause 5.3). So the reward for October 2026 is released in November 2027 at the earliest. The terms do not say whether you may sell the share within that year.
Four things make the outcome uncertain:
- Price. You get a position in a share, not cash. It can be worth less a year on.
- Conversion. eToro buys the share for an amount in US dollars, at the exchange rate on the last day of the month. Because of the conversion, what you receive can come out lower than the calculated amount (clause 5.4).
- Substitution. Instead of the share, eToro may give another reward of the same value, such as cash or a different share (clause 5.5). If your eToro wallet and your eToro account do not fall under the same regulatory entity, you get cash instead of shares (clause 5.6). The terms do not say which customers that applies to.
- Closure. If you or eToro close your account or your eToro wallet, you lose the right to take part and to the reward (clause 6.6).
Who can take part
Under clause 3, any individual can take part who, during the promotion period:
- has opened and activated an eToro account and keeps it;
- has opened and activated an eToro wallet and keeps it;
- makes at least one valid crypto deposit during the promotion period.
Excluded are employees of eToro and of affiliated companies, their immediate family and household members, and anyone involved in running the offer (clause 3). Anyone who breached eToro's community guidelines after a warning, or was blocked from eToro's websites, gets nothing (clause 6.12).
Three kinds of transfer do not count (clause 4.1):
- a transfer from another eToro account;
- a transfer from a wallet run by Tangany GmbH or by a company in the eToro group;
- crypto that stays in your eToro wallet and does not become an open position in your portfolio.
The terms contain no list of countries: none that are included and none that are excluded. They only say it is up to you to check whether you are eligible. On its Dutch-language offer page, eToro writes that transferring crypto to the portfolio is being rolled out gradually in selected jurisdictions. So check in your own account that the feature is there before you move any crypto.
How to take part
- Make sure you have an eToro account and an eToro wallet.
- Transfer crypto from a wallet outside eToro to your eToro wallet. According to eToro, you pay only the blockchain fees for that.
- Move the crypto on from the wallet to your portfolio, so that an open position is created. Only then does the deposit count (clause 4.1).
- In the following month, choose your share within thirty days of the email.
The summary we keep up to date is on our eToro offer page. You can read more about the platform on the eToro partner page, and all offers side by side are in our comparison of welcome bonuses.
Where the offer page differs from the terms
On 11 October 2026, eToro's Dutch-language offer page said the reward is calculated using the closing price of the deposited crypto at the end of the month. The terms say the opposite: each deposit is valued at the moment it settles as a position (clause 4.2). The same page gives depositing crypto into your eToro wallet as the first step, whereas under the terms crypto that stays in the wallet does not count (clause 4.1).
Where a publication by eToro and the terms differ, the terms prevail (clause 6.2).
What we corrected
Until 11 October 2026 our own offer page said the offer was open-ended and had no cap. That does not match the terms of 8 October. We updated the page on 11 October.
What the terms do not say
- Which shares are on the list.
- What it costs to move crypto from the wallet to your portfolio. If you later sell or transfer the share, eToro's regular fees apply (clause 5.4).
- How much tax you will pay. That is your responsibility, and eToro may withhold tax at source (clause 6.5).
A bonus is no reason to invest, or to move more crypto than you had planned. Crypto and shares can fall sharply in value and you can lose your entire stake. This article explains terms and is not investment advice.
Disclosure: the link to eToro on our offer page belongs to our partner programme. If you sign up through that link, CryptoCode receives a commission; you do not pay more.
Frequently asked questions
Is there an eToro promo code?
No, not for this offer. The terms do not mention a code. They say you do not need to sign up ("No registration or opt-in is required", clause 2): you take part automatically once you meet the conditions and make a valid crypto deposit.
Is this an eToro welcome bonus or sign-up bonus?
Not in the usual sense. The terms make no distinction between new and existing customers, and there is no bonus for opening an account. Clause 3 requires you to have an opened and activated account and an eToro wallet during the promotion period. The terms do not explicitly say whether an account opened after 8 October meets that requirement. If you are new, check with eToro before you transfer any crypto.
Is there an eToro deposit bonus on a cash deposit?
No. Only crypto you transfer in from outside eToro counts (clause 4.1). Cash you deposit earns no reward; it only reduces the amount deducted as cash withdrawals (clause 4.3).
What happens if I move the crypto back out later?
That amount is deducted from the net amount for the month in which you move it out. A shortfall rolls into the following month, but a reward that has already been paid is not reduced (clause 4.4).
Sources
The terms and the offer page were read on 11 October 2026; eToro can change them.
- eToro, terms of the End Year Promo 2026, updated on 8 October 2026: etoro.com. The file name still refers to the summer edition; the content is that of 8 October.
- eToro, Dutch-language offer page: etoro.com.
- The worked examples, the 20,000 US dollar threshold and the 3,000 US dollar total are our own calculation based on clause 4.