N26 Standard

A free bank account—100% mobile and flexible

The standard N26 account is a checking account at no extra cost. Manage your account with your smartphone and experience digital banking at its best.

An N26 Standard card on top of a concrete block.
A transparent N26 Standard card.

Your bank account with N26

N26 offers a free online bank account that you can open from your smartphone in minutes. Benefit from free withdrawals in euros, and free payments in all currencies—wherever you are in the world. Smart features like automatic categorization of your spending and real-time push notification help you keep track of your finances. Get a transparent Mastercard with all these benefits at zero cost.

Save with Spaces and reach your goals

Spaces is a N26 feature that lets you create your own sub-accounts to better organize your finances and save money. Create a space with just a few clicks, set a savings target and follow your progress.

And soon, you’ll be able to pool money together with other N26 users with Shared Spaces. We’ll let you know when this feature is available.

Shared Spaces
A phone screen with the Spaces screen of the N26 app open on it.
N26 Bank Account Moneybeam example transaction.

Headache-free instant payments

After signing up, instantly top up through a debit card to get money into your account. Make bank transfers for free using N26 MoneyBeam in real-time – send, receive or request money from your contacts listed in the N26 app, or to new ones with just an email or phone number.

Need to get funds into your account straight away? Avoid the worry, and receive incoming payments with SEPA Instant Credit Transfer in seconds.

Track your expenses with Statistics

Your salary comes in, you pay for your coffee with card (or your mobile phone) and transfer money to friends—your free bank account tracks and recognizes your transactions. Thanks to automatic spending categorization, always receive an up-to-date overview of your current expenses.

With #tags, you can further personalize the system. And when you go to file your tax return, simply export your transaction history as a CSV file via the WebApp.

N26 Bank Account categorising transactions for statistics.

We are here for you—in 5 languages

Our N26 Support team is available for you in 5 languages via email or chat. Whenever you have a question or encounter a problem, they’re always on-hand to help.

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

An account that fits in with you

Ready to discover mobile banking? Compare our bank accounts now to find the one that fits you best. Choose between our free standard account and the N26 premium accounts, or opt for a business account if you’re a freelancer.