The bank you’ll love

Money made beautifully simple. Spend, save, and invest in one intuitive app that's trusted by millions.

Bank by your own rules

Not a fan of waiting times, hidden fees, or paperwork? Us too. Get a bank account that's with you everywhere you go. Plus, open a joint account in minutes at no extra cost and manage your money together.
Explore joint accounts
Marco and Maya hugging outdoor. Marco is holding his N26 card and Marco his mobile. In the foreground, there is a pop up showing the rent expense and other with Marcos deposit.
An N26 virtual card with a map highlighting cash points in the background.

Your free account

With a virtual Mastercard and free card payments worldwide with no foreign transaction fees.

Get N26 Standard

Simply secure

Our innovative security features keep your money and data simply secure.

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24/7 support

Contact us day and night via the chat in your N26 app — in five languages.

Visit our Support Center
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Flexibility when you need it

Stay financially flexible and activate your overdraft directly in your N26 app.

Learn More

Your 100% mobile bank account

Manage all your finances directly from your smartphone and pay with a tap using your virtual N26 Mastercard. Send money in seconds with MoneyBeam and instant transfers, and get spending insights to help you budget and stay on track. Our premium accounts offer even more perks and extra features for when you're at home or on the go.
Open Free Bank Account
Hand holding a mobile showing N26 virtual card. In the foreground there is a popup showing four buttons, add money, send money, scheduled, and insights.

Put your savings to work

N26 Instant Savings is our easy-access savings account that's 100% flexible. Earn interest on all your savings with no deposit limits* and dip into it anytime. Win-win. N26 Metal customers enjoy our highest interest rate of 4%** p.a. It’s yet another benefit of our most premium bank account.
Open Bank Account
Smiling woman wearing petrol color clothes in a petrol color living room. In the foreground there is pop up showing the balance of the savings account.

Invest in stocks, ETFs, and crypto

Start investing in your future from just €1 — right in your banking app. Invest in stocks and ETFs*** with just a few taps and at a transparent, flat rate of €0.90 per trade. N26 You and Metal customers get 5 and 15 free monthly trades, respectively. Set up a fully-flexible automated investment plan —  available for all memberships at no extra cost. And if you want to, you can invest in almost 200 cryptocurrencies, as well****.
Learn more
Gymnast wearing teal color clothes and holding a mobile with the N26 app open. In the foregound there is pop up displaying the balance and profitability in the Stocks and ETFs account and Crypto account.

N26 accounts — your money deserves an upgrade

N26 Standard

The free online bank account

The N26 virtual card.
Virtual Card


  • 2.8% interest p.a. on your N26 Instant Savings

  • Pay worldwide with no foreign transaction fees

  • Free ATM withdrawals in Austria and the eurozone

  • A virtual debit card

N26 Smart

The bank account that gives you more control

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.


All benefits of N26 Standard, Plus
  • 2.8% interest p.a. on your N26 Instant Savings

  • Up to 10 Spaces sub-accounts

  • Customer support hotline

  • Virtual and physical card

N26 You

The debit card for everyday and travel

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Ash.
N26 You card, Teal.


All benefits of N26 Smart, Plus
  • 2.8% interest p.a. on your N26 Instant Savings

  • 5 free monthly trades on stocks and ETFs

  • Free ATM withdrawals worldwide

  • Travel insurance


N26 Metal

The premium account with a metal card

N26 Metal - Charcoal Black.
N26 Metal - Slate Grey.
Quartz Rose - N26 Metal Card.


All benefits of N26 You, Plus
  • 4% interest p.a. on your N26 Instant Savings

  • 15 free monthly trades on stocks and ETFs

  • Travel, phone, and purchase protection insurance

  • Premium stainless steel Mastercard

For more information on the N26 membership plans and Allianz Assistance insurance coverage, please see the plan comparison page and the applicable T&Cs.

*The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. **The interest rates vary based on your membership: 4% p.a. for Metal, and 2.8% p.a. for You, Smart, and Standard accounts. Please note that regular rates per membership are subject to change over time. ***These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as stocks and ETFs. These statements also do not constitute an offer to conclude a contract for the purchase or sale of stocks and ETFs. Stocks and ETFs can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes. ****The market for crypto assets constitutes a high risk. A complete loss of the money spent is possible at any time. N26 Crypto is powered by Bitpanda GmbH.

  • Is N26 a bank?
  • Is N26 secure?
  • How is N26 protecting my money and personal data?
  • What documents do I need to open a bank account?
  • How much does it cost to open a bank account?
  • Which Austrian bank can I switch from?
  • How long does it take to open a bank account with N26?
  • How can I deposit money with N26?

Find out more

Illustration showing detailed information about an ETF purchase.

What Is an ETF? An Overview for Beginner Investors

Everyone is talking about ETFs. Here's why — and what you need to know before investing in them.

picture of a person and an investing illustration.

Investment for beginners: what is investing and how to easily get started

From purchasing real estate to buying stocks, investing is the key to a secure and stable financial future. In this guide, learn what investing is and what you need to know to get started.

woman holding a cell phone.

Deposit protection scheme: why your money is protected

Looking for reassurance that your money is protected? Deposit protection schemes help secure the money in your bank account.