Extra funds when you need it
Give your account a safety net with N26 Overdraft — it only takes a few minutes.Open Bank Account
An overdraft made simple
Zero paperwork
No need to fill out long forms or provide extra documents. Manage everything 100% online.
Transparent costs
No hidden fees. Get a clear breakdown of costs and repayment options.
Money in minutes
Get a quote instantly and the money in your account right away.
Legal Notice
N26 Overdraft is currently only available for eligible customers who opened their account in Austria. If you can’t find it yet, please update your app to the latest version, keep using your N26 account, and check again later to see if you’re eligible.
Credit and loan products are not free of financial risks. Make sure that you are financially able to repay the credit before you apply.
FAQs
An overdraft allows you to borrow a certain amount of money through your checking account.
The fixed interest rate we apply to your overdraft is 13.4% p.a.
To activate your overdraft, go to the "Explore" section of the app and scroll down and select N26 Overdraft. After a quick check of your credit history, we’ll let you know if you’re eligible for an overdraft. Then, you can go ahead and customize your amount in the app.
To get an overdraft, you need to have an N26 account. Of course, when applying for your credit, your creditworthiness plays a role. Further information about requirements can be found in our Support Center or in the Terms and Conditions.
New overdraft customers can receive an overdraft of up to €15,000.