N26—mobile banking on your smartphone
✓ Flexible banking in Austria
✓ With MasterCard and Maestrocard
✓ Free withdrawls in the eurozone
✓ Sign up from your smartphone in 8 minutes
What you get with N26
A European bank with an Austrian heart
N26 is a fully licensed German bank—but it was founded by Austrians. In our technology and innovation hub in Vienna, we’re continuously striving to improve our products and services.
N26 Mastercard & Maestro card
Your free virtual contactless N26 Mastercard debit card is accepted all over the world. If you need, you can order a debit Mastercard. You'll only have to pay the delivery fees.
Experience banking in just 8 minutes
Open your bank account during your lunch break, top it up in just a few seconds and use it right away—even before you receive your physical bank card in the mail. Just go to the N26 app and add it to your mobile wallet. You'll receive push notifications after each transaction. Your friend paid for your lunch? Transfer money between N26 accounts in real-time with MoneyBeam.
Pay anywhere. Get charged nowhere.
Your bank account lets you enjoy unlimited free withdrawals at ATMs within Austria and the Eurozone, and payments in foreign currencies are also secure and free of charge. You’ll never be faced with hidden fees or costs along the way, leaving you with more money for the things that really count. Like Viennese Melange.
Secure banking for peace of mind
✓ Face or Fingerprint touch ID for faster, secure login✓ Mastercard’s 3D Secure to protect your money when making payments online✓ Lost or stolen card? Simply use the app to lock your card and unlock if you find it again✓ N26 operates with a full European banking license, so your bank account is protected up to €100,000, according to EU directives
Reach your goals with N26 Spaces
Go premium, and create sub-accounts for all your financial goals. Save easily and find a better way to budget—all in one place on your smartphone. Give your financial goals room to grow with N26 Spaces sub-accounts. Personalize each space with a name, set your savings target, and easily stash savings aside with just a few taps.
Rather set it and forget it? Easy—create Rules to regularly move money over to a space, or try Round-Ups to save up the spare change whenever you pay by card.
Go premium to unlock 10 SpacesDeposit and withdraw cash while you shop
Manage your finances on-the-go—zero hassle, zero paperwork. You don’t even have to wait in line at a bank branch to access your cash. Just use your N26 app to withdraw and deposit cash while doing your shopping, thanks to 2,000 CASH26 retail partner locations all over Austria (such as Billa or dm) that make it easy.
What's next?
1. Sign up
Hit the button below and enter your personal details in order to create your account.
2. Download the app, verify your identity
Download and log in to the N26 app, so we can verify your identity. Have a valid ID ready.
3. Add your card to your wallet
Your N26 virtual debit card is ready to use.
4. Enjoy your N26 account!
You're good to go! You can top up your account and start making transfers.
Keep an eye on your money habits
N26 gives you full control over your money. Set daily limits, lock and unlock your cards, set up sub-accounts, rules and recurring payments—and much more. You also have the option of ordering an extra Maestro card for your bank account, with just a few taps in your N26 app. Banking with N26 is banking made easy.
Frequently asked questions
What are the requirements for opening a free bank account?
To open a free bank account at N26 you need to meet the following requirements. You must be:
- Living in one of the supported countries
- Be at least 18 years of age
- Have a supported smartphone
- Have a valid identification document on hand.
You can’t have two N26 accounts simultaneously. Please check this Support Center page for more information.
How can I open a free bank account at N26?
You can easily open your free bank account on your smartphone, or the N26 WebApp. The process is completely free of paperwork—just make sure you meet the requirements and have a valid ID on hand.
What are the advantages of having an N26 Standard account?
With N26 Standard you can enjoy a 100% mobile banking experience. Access your account from anywhere, at any time. Make transfers right from your smartphone, and always know how much money is going in and out of your account with real-time push notifications.
You’ll also receive a virtual N26 Mastercard for paying in stores, online, and in apps. Get up to 3 free ATM withdrawals per month at any ATM that supports contactless payment, and stay on top of your spending with Insights—the feature that categorizes your spending in a handy monthly overview.
How much does a N26 bank account cost?
The Standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €9.90 per month, the N26 You bank account costs €9.90 per month and the N26 Metal account is available for €16.90 per month, with a 12-month commitment period. To open an N26 account, no deposit or minimum income is required.