The bank you’ll love
Money made beautifully simple. Spend, save, and invest in one intuitive app that's trusted by millions.Open free bank account
Your free euro account
With a virtual Mastercard and two free ATM withdrawals in euros per month and free payments worldwide without foreign transaction fees.
Get N26 Standard
Simply secure
Our innovative security features keep your money and data simply secure.
Security at N26
24/7 chat support
Contact us day and night via the chat in your N26 app — in five languages.
Visit our Support Center
Stay flexible in euro countries
Whether you're traveling or shopping, enjoy fee-free payments in the Eurozone and free ATM withdrawals in euros with your N26 Mastercard.
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Your 100% mobile bank account
Manage your euros directly from your smartphone and pay with a tap using your virtual N26 Mastercard — just add it to Apple Pay or Google Pay. With N26 you benefit from free ATM withdrawals in euros and are never subject to foreign exchange fees. Plus, with N26 Smart you can enjoy even more perks and extra features.
Open Free Bank Account
Save and budget with N26
Wish everyday budgeting was easier? N26 Insights automatically categorizes your spending in real time to help you spot opportunities for savings.
With N26 Smart you get up to 10 Spaces sub-accounts in which you can set aside money for small and large savings goals. And with Round-Ups, you automatically save some money in the space of your choice everytime you pay with your card.
Explore Spaces sub-accounts
N26 accounts — your money deserves an upgrade
N26 Standard
The free account for your everyday banking needs
Virtual Card
€0.00/month
The free online bank account
Pay worldwide with no foreign transaction fees
Up to 2 free ATM withdrawals in euros
A virtual debit card
N26 Smart
The bank account that gives you more control
€4.90/month
Open your free euro account now
Open your N26 online bank account in minutes and with no paperwork — right from your phone or our website. You're a freelancer? With N26 Business you benefit from fee-free transfers in euros and cashback — for example during business trips in Europe.N26 is the first 100% mobile bank to be granted and operate with a full German banking license from BaFin. That means the money in your bank account is fully protected up to €100,000 by the German Deposit Protection Scheme. We currently operate in 24 markets worldwide and have over 8 million customers.
N26 has been granted a full German banking license from the German regulator BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customer's online payments is always guaranteed.
As a bank, N26 is supervised by the Federal Financial Supervisory Authority (BaFin). Our clients' funds are guaranteed up to €100,000 by the German Deposit Protection Scheme. In addition, the N26 app has many features to ensure the security of its users' bank accounts and data.
In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved — just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.
The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month. To open an N26 account, no deposit or minimum income is required.
You can open your mobile N26 account online in minutes from your phone or the N26 website — no paperwork or waiting times. But best of all: Once your N26 bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
Yes, the currency of your bank account from N26 is in euros. But we don’t charge any fees for payments in foreign currencies.
N26 is an online bank that was founded in Berlin in 2013 by Valentin Stalf and Maximilian Tayenthal. In 2016, N26 received a full German banking license from the German regulator BaFin. This means that the deposits in your euro account are protected up to €100,000 by the German Deposit Protection Scheme.
As an N26 customer, you can contact our customer support seven days a week from 7 a.m. to 11 p.m. The easiest way to do this is via chat directly in your N26 app. If you have an N26 Smart account, you also benefit from phone support. Our customer support team speaks five languages: German, English, Spanish, French and Italian.
Find out more
N26's Complete Guide to Secure Online Banking
The complete N26 guide to banking safely online
Banking Basics: getting started
We’re here to demystify all things banking-related. Read our guide to take a closer look at the basics of your account.
Banking Basics: ATM fees
Confused why you’re getting charged ATM fees when you withdraw your cash? Read more about why it’s happening and how to avoid them next time.