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.

N26 You Timeline Feature in App.
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.

Secure online banking with N26

Mastercard SecureCode - Icon - N26 Security.

Your N26 account is 3D Secure

3D Secure (3DS) protects you when making purchases online. With Mastercard Identity Check, your online card payments are extra secure so you have one less thing to worry about.

Touch ID Login - Icon - N26 App.

Faster login with fingerprint authentication

Open your N26 app with fingerprint identification or face recognition, and protect it from unauthorized access. With biometric authentication, you can easily authorize payments for your online purchases without having to enter your PIN every time.

Real-time Notifications - Icon - N26 App.

Push-notifications in real-time

With real-time push-notifications after every transaction—whether you're paying in store or online, receiving your salary, or withdrawing money from the ATM—you'll always have an overview of your financial movement.

PIN Code - Icon - N26 App.

Full control of your card

You can easily adjust the security settings of your N26 account directly in the app. Lock your card if you lose it (and unlock if you find it), change your PIN and allow foreign payments when you're abroad.

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.

Frequently asked questions