N26 Smart

The bank account that puts you in control

Say hello to N26 Smart, the bank account packed with intelligent features that help you spend and save with confidence. Sign up online in minutes right from your smartphone—no paperwork required.

Image of a mobile phone showing a subaccount on the screen and a black debit card in the side with Forbes best bank logo.
hand holding a N26 debit card with the words "Spend" and "Save" in the background.

Your Mastercard debit card, accepted worldwide

Pick a Mastercard debit card in your choice of color—Ocean, Rhubarb, Sand, Aqua or Slate. Benefit from 5 free monthly withdrawals in the Eurozone, and enjoy free payments in foreign currencies. Your N26 card is also compatible with contactless and mobile payments, which you can use even before receiving your physical card in the mail.

Organize your finances with Spaces sub-accounts

Create up to 10 Spaces sub-accounts with IBANs in seconds, and instantly set money aside from your main account. Then create standing orders for recurring payments, pay bills via direct debit, send and receive SEPA bank transfers, or get paid from clients—right into each sub-account.

Splitting business expenses with co-workers? Manage funds with others in a Shared Space. And if you're saving for your next project, try Round-Ups—we’ll help you save up the spare change whenever you pay by card.

Discover Spaces
image of two N26 subaccount showing the "main account" and "Back to college" spaces to budget money.

Master your spending with Statistics

Ready for a simple and quick view of your finances? Meet N26 Statistics, the intelligent feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on ‘Shopping,’ ‘Bars & Restaurants,’ ‘Groceries,’ and more—all it takes is a quick glance to stay on track with your monthly budget. Additionally you can get a better overview with our handy 50 30 20 Budget Calculator and our monthly budget calculator.

Treat yourself with N26 Perks

Tap into exciting lifestyle perks with N26 Smart. Unlock access to a series of exclusive deals from world-class partner brands, such as Blinkist, Mubi and Lime. With a regular rotation of top partner brands, you can treat yourself to generous discounts all year round.

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Beautifully simple. 100% flexible.

Why shouldn’t your bank's app be as beautiful as the other ones you already use? With a clean design and intuitive money management features, N26 is revamping your banking experience—without the hidden costs, or mountains of paperwork. Manage everything from your phone, but also from the desktop WebApp.

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Safe and secure online banking

Mastercard 3D Secure

Any online purchases made with your Mastercard are protected by 3D Secure technology—an additional authentication step.

Instant push notifications

Receive instant notifications for each transaction, so you always know what is happening to your account.

Biometric authentication

Log in to your account with FaceID or fingerprint identification for that added security.

Protected up to €100,000

With N26’s full European banking license, your money is protected up to €100,000 with the Deposit Guarantee Scheme (DGS).

Customer Support via phone and chat

Whether you have a question or need help with a transfer, N26 Customer Support is here to help in German, English, French, Spanish, or Italian. Contact our N26 specialists via chat in your N26 app, or just give us a ring on the customer support hotline—reserved for premium customers. You’ll also find answers to our most frequently asked questions in the N26 Support Center.

N26 You card, Petrol.

N26 Smart. Spend and save with confidence.

Open your premium account for just €4.90/month (with a one-year membership) in 8 minutes, and take back control of your money.


What are the requirements for opening an N26 Smart bank account?

To open an N26 Smart account, you must meet the following requirements:

  • You must be at least 18 years old,
  • Live in one of the supported countries,
  • Have a supported smartphone,
  • Not have an N26 account yet.

You will also need an identification document that is accepted in your country of residence. You can find more information here.

How do I open an N26 Smart bank account?

To open an N26 Smart bank account, you must fulfill all the requirements. If you do, you can open an N26 account through the N26 app on a compatible smartphone or via the WebApp on desktop. It only takes a few minutes and involves zero paperwork.

What are the perks of the N26 Smart bank account?

N26 Smart is a premium bank account that comes with a Mastercard debit card available in 5 colors. It gives access to intuitive features to manage your money. Get an overview of your expenses with Statistics, create up to 10 Spaces sub-accounts for better saving, including Shared Spaces to manage budgets with other N26 users. You also benefit from free withdrawals in the Eurozone, and your payments are free of charge worldwide. A commission of 1.7% is applied to your withdrawals in foreign currencies. In addition, this account offers exclusive offers and discounts from our partner brands. See our Terms of Service for more information.

How do Spaces sub-accounts work?

Spaces are sub-accounts that can be created to sit alongside your main account to easily set money aside. Simply create a new space in your N26 app in the Finances tab, then give it a name and set a savings target. Create Rules to automatically move money into your spaces—every day, week, fortnight or month.

As an N26 premium customer, you’re also able to use Shared Spaces—a joint space to save and spend together with up to 10 other N26 customers. And with round-up rules, you can have every card transaction rounded-up to the nearest euro, and stash the spare change away in a space of your choice.

How much does the N26 Smart bank account cost?

The N26 Smart account is a yearly subscription and costs €4.90 per month.

What are Spaces sub-accounts, and how can I use them?

N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a premium customer, create up to 10 Spaces sub-accounts with IBANs in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund. Of course, how you use your spaces is up to you—it’s not necessary to add an IBAN to each space if you don’t need one.

With unique IBANs for each Spaces sub-account, you can receive SEPA bank transfers and pay via direct debit—right from each space. Try using Rules to automatically set your bill money aside to a space, then pay via direct debit from your sub-account. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account.

If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other N26 customers. However, please note that an IBAN cannot be added to a Shared Space for now. Stay tuned for more updates to come! Find out more about Spaces and Shared Spaces here.