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 from your smartphone, and start making mobile payments before your physical card arrives.
*Up to €50,000 balance, after which a deposit fee of 0.5% p.a. may apply. Please find the Terms & Conditions here.
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
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.
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.
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.
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.
N26 Smart—spend and save your way
With the N26 Smart premium bank account, get up to 10 Spaces sub-accounts and Shared Spaces to set aside money with others. You’ll also receive a N26 Mastercard debit card, with which you can withdraw money at ATMs in the Eurozone for free.
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
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 Metal – the new generation premium account
Enjoy our exclusive premium banking experience with a stainless steel Mastercard, an extensive insurance package that includes mobile phone insurance, fee-free ATM withdrawals worldwide and zero foreign transaction fees around the globe.
Upgrade to MetalWe 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.
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
Is N26 a real bank?
N26 is the Mobile Bank. We operate with a full European banking license, and offer a free standard account, N26 You and Metal premium accounts, as well as business accounts for freelancers and self-employed. Our customers can manage all their banking transactions simply, easily and securely via a smartphone, and receive a Mastercard debit for free.
Is N26 secure?
N26 operates with a full European banking license, which protects your N26 account up to €100,000, under EU law directives. With 3D Secure, Mastercard Identity Check and fingerprint and face recognition, the security of your online payments is always guaranteed.
What is a "Girokonto"?
A "Girokonto" is a bank account, so your financial companion in your day-to-day life. Most regular transactions are processed through your current account—your salary is paid, and your bills are debited from it. If you need cash, you can withdraw money from your checking account via an ATM to spend in stores.
How do I open a N26 checking account?
If you meet all the requirements, you can open your checking account with N26 for free and within minutes. All you need is a smartphone and your photo ID. It's easy with our digital authentication process. Download our app to open an account—you don’t even need a minimum deposit amount.
How much does it cost to open a N26 bank account?
With our standard account you will receive a free checking account—without having to pay anything. An N26 You bank account costs €9.90 per month, and the N26 Metal account costs €16.90 per month. If you opt for a N26 premium account, you commit to at least 12 months.
Up to €50,000 balance, after which a custody fee may apply. Please find the Terms & Conditions here.
What are the benefits of using the free checking account?
The free bank account lets you manage all your finances under one app, whether at home or traveling. In addition, we don’t charge you any hidden fees when withdrawing money from an ATM, or when making payments in foreign currencies. Alongside getting instant push-notifications after every transaction, benefit from Spaces sub-accounts for better saving, automatic spending categorization with Statistics, and the ability to make and receive immediate funds from other N26 customers with MoneyBeam.
With N26 You and N26 Metal you can also withdraw money at no fees worldwide, and enjoy exclusive benefits such as discounts. On top of this, premium accounts come with an extensive package of travel and lifestyle insurance, courtesy of Allianz.