Love your bank
Welcome to the future of banking — manage your money and grow your savings in one beautifully simple app that's trusted by millions.
This is how I bank
What’s your unique way of banking? Whether here, there — or even in your underwear — N26 makes banking stress-free, so you can manage your money exactly how you want.
The free bank account that makes life easy
Not a fan of waiting times, hidden fees, or paperwork? Us too. Get a bank account with a virtual card and 24/7 support — and manage your money on the go.
Open N26 Standard Account
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.
Read moreGet Insights into your spending habits
Not sure where all your money's going? Our Insights feature automatically categorizes your spending in real time. Track regular expenses, keep a pulse on your costs, and spot opportunities for savings. Everyday budgeting has never been easier.
N26 Crypto — so easy to use
Say hello to N26 Crypto! So easy to try — it’s just a few taps away from your cash in the N26 app. And, you’ll get instant trades, clear insights, and access to almost 200 coins.
Take a lookThe 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.
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 German 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.
Make payments the easy way with Apple Pay
Tired of carrying your wallet around? We get it—which is why you can link your N26 Mastercard to Apple Pay for effortless payments right from your smartphone. Apple Pay lets you make secure, contactless payments online, in stores, or even in-app. Each transaction is verified by touch or face ID, and takes place in real-time. It’s the simple, safe, 100% mobile way to pay.
Try Apple Pay
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.
*The interest rates are based on your N26 membership: 2.8% for Standard, Smart, and You, and 4% for Metal.