The bank you’ll love

N26 lets you manage your bank account, spend and set money aside in real-time, all under one app. Open your account in minutes right from your smartphone, and start spending before your physical card arrives.

A hand holding an iPhone X in their hand with the Spaces screen open on the N26 app.
A transparent N26 Standard card.

Your free* N26 bank account

Join N26 to get a free bank account and a Mastercard debit card to use all over the world. Stay up-to-date and in control of your finances, wherever you are.

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*Up to €50,000 balance, after which a deposit fee of 0.5% p.a. may apply. Please find the Terms & Conditions here.

N26 Smart—spend and save with confidence

N26 Smart is the new bank account that adapts to your lifestyle. Get your Mastercard debit card in one of 5 colors, and enjoy access phone support, special partner offers, innovative money management features such as Spaces sub-accounts, and more.

Smart, flexible banking in real-time

Whether you’re withdrawing or depositing money, or sending a MoneyBeam to your friend in real-time—keep on top of your spending thanks to automated push-notifications after each transaction. Stay flexible with CASH26, and withdraw and deposit money at no cost at over 1,900 shops in Austria.

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N26 You Instant Push Notification about payment to an airline with two flight tickets in the background.

Your finances at a glance with Statistics

Whether it’s your salary coming in or money going out when you’re buying that treat in your favorite café—thanks to our automatic categorization feature Statistics, you can see all your transactions at a glance, divided into smart sub-categories to keep you posted on your financial habits.

N26 Bank Account categorising transactions for statistics.
Smartphone with the N26 Spaces open on it.

Dream big and save money with Spaces

N26 Spaces are a new way for you to handle your money. It’s easy—create a space with just a few clicks and start saving money for the things that matter. Monitor your financial goals and keep a track of your progress.

Soon, all N26 users will be able to create Shared Spaces in order to manage money together with other N26 customers. We’ll inform you as soon as we launch this feature!

Shared Spaces

Your safety is top priority

N26 operates with a full European banking license, and every N26 bank account is safe up to €100,000 according to EU directives. Thanks to 3D Secure, you’re also protected when making purchases online.

We’re here for you. In several languages.

If you have any questions or run into any problems, our Customer Service team will be on hand to help you in English, French, German, Spanish and Italian. Just reach out to them via email or chat with an N26 expert in your app.

N26 Bank Account Customer Service Chat in App.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Banking with N26: smart, digital, simple.

N26 helps you stay on top of your finances effortless and flexible. Open your free bank account without annoying paperwork within minutes. Compare all N26 bank accounts and choose an account that suits you.

+5 Million
Customers
25
Countries
+1500
Employees