Your N26 Debit Mastercard
Use your free virtual card to pay with your phone right from day one. You can also get our unique, transparent physical card.3
It’s your money. Get it for free.
Why pay for something that’s already yours? Get free ATM withdrawals within the eurozone.
Help whenever you need it
Get 24/7 chat support in English, French, German, Italian, or Spanish.2
All your money. One app.
Manage daily spending, earn interest on your savings, and trade stocks, ETFs, and crypto.4
Your account is simply secure
With biometric login, instant notifications, and full deposit protection, banking with N26 is as safe as it is smart.
Start banking better
Open your free N26 account and start enjoying beautifully simple banking.
1 N26 Standard includes unlimited free monthly ATM withdrawals.
2 Customer Support specialists available from 11am until 7pm, seven days a week. Our chatbot can help with common questions 24/7.
3 A €10 fee applies for the issuing of the physical Mastercard debit card.
4 Investing involves risk of financial loss. Stocks and ETFs: All investments carry a risk of loss of principal. Equities and ETFs can be subject to large fluctuations in value. The amounts invested are not guaranteed and a complete loss of the investment is possible at any time. Past performance is neither a reliable indicator nor guarantee of future performance. These products are not suitable for all investors, and clients should ensure that they are sufficiently well-informed before carrying out any transactions. The information contained in this message is intended for general purposes only and does not constitute investment advice or any other advice regarding financial services or financial instruments (Equities and ETFs). It also does not constitute an offer to enter into a contract for the purchase or sale of financial instruments. The service of receiving and transmitting orders for financial instruments is exclusively available to clients of N26 Bank SE. The N26 broker service is provided via the N26 app in partnership with and through Upvest Securities GmbH.
Crypto: Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. A return equal to the money spent is not guaranteed and a complete loss of the money spent is possible at any time. Past performance is not a reliable indicator of future performance. Make sure you have sufficient knowledge before proceeding with any transaction. Service of reception and transmission of orders of digital assets provided by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v).
FAQ
- Be over the age of 18
- Live in an eligible country
- Have your own smartphone
- Not yet have an account with N26
- Have a valid ID
- Be able to verify yourself in one of our supported languages: English, German, Spanish, Italian, or French
You must meet the following requirements to open an N26 Standard account:
Once you've checked that you meet our basic requirements, just download the N26 app to open your account.
Forget the paperwork — opening a free N26 Standard account takes just a few minutes. All you need is a valid ID. Once we've verified your identity, your virtual Debit Mastercard is ready to use immediately.
N26 Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account.
N26 Standard is a 100% online free bank account that allows you to manage your daily finances all in one place. Transfer, receive, and manage your money online whenever and wherever you are. Accept SEPA Instant Credit transfers from other banks at no extra cost and see the money in your N26 Standard account in seconds. Plus, MoneyBeam lets you send, receive, and request money among other N26 customers, all in real time and completely free.
As soon as you open your account, you’ll receive your virtual N26 Mastercard. Link it to Apple Pay, Google Pay, or Garmin Pay and use it for contactless payments in stores, online, or in apps. You can even make free ATM withdrawals in the eurozone at any ATM equipped with a contactless reader. If you'd rather have a physical debit card, that's no problem — just order your transparent N26 Mastercard for a one-time delivery fee of €10.
Plus, thanks to the Insights feature, you'll also learn more about your spending habits, which can help you manage your finances even better. For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.
N26 Standard includes one free virtual card that can be used right away. You can also order a physical Debit Mastercard for €10.
At N26 we offer the free N26 Standard account. You get an account with no maintenance fees or minimum balance. You also get a virtual Debit Mastercard, which you can use for online purchases and mobile payments via Apple Pay, Google Pay, or Garmin Pay.
You also have the option to open a paid N26 account and get access to more features and benefits. N26 Smart lets you add up to 10 sub-accounts and use innovative savings features, while N26 Go offers travel insurance benefits and free international withdrawals. And with N26 Metal, you get our ultimate premium account, including an elegant stainless-steel Mastercard, smartphone insurance, and priority customer support.
Open your fully mobile, online bank account in minutes — directly from your phone — and start banking from anywhere.
If you’re looking for an account with no maintenance fees and no minimum deposit, our N26 Standard account is perfect for you. You'll benefit from a fully online bank account with a virtual Mastercard that you can use to pay via Apple Pay or Google Pay — both online and in stores. You'll also enjoy access to the Insights feature, which helps you keep better track of your spending and find places where you can save more.
However, with an N26 account, fees may apply for various services. These include, for example, fees for direct debits that bounce or the interest that accrues on an overdraft. You can find more information about the costs of our accounts and services in our detailed price list.