N26 Standard

Your free bank account—discover N26!

Founded by Austrians and beloved worldwide, N26 is The Mobile Bank. Open your free bank account now and discover why millions of customers already rely on N26 to manage their money. Sign up online in just 8 minutes—all you need is your smartphone and a valid ID.

N26 banking app showing a virtual mastercard on a light green background with Forbes best bank logo.
Virtual card.

Your virtual N26 Mastercard

After opening your free bank account, get immediate access to your virtual N26 Mastercard. Add it to your mobile wallet, and start using it right away! Use it in shops, online, or at any ATM that supports contactless withdrawals. Plus, enjoy unlimited free ATM withdrawals in the Eurozone!

If you prefer to have a physical card, you can order it directly in the N26 app for a €10 delivery fee.

Relax with total protection

When it comes to online banking, safety is everything. Your free bank account comes with advanced security features, like Mastercard 3D Secure—that is, two-step authentication whenever you shop online. Thanks to biometric authentication, you’re also protected from unauthorized access. And as N26 is a fully licensed bank, your deposits are secured up to €100,000 by the European Deposit Protection Fund.

More than a bank account


Need cash in hand? Use CASH26 to withdraw and deposit cash at more than 2,000 partner stores in Austria.

Instant push notifications

Whether you’re getting paid or shopping online, push notifications after every transaction mean you’ll always know what’s happening with your money.


MoneyBeam lets you send, receive, and request money from other N26 customers instantly, with just a few taps in the app.

SEPA Instant transfers

Your N26 bank account supports incoming SEPA Instant Credit transfers. This way you can get your paycheck and other payments even faster.

Save like a pro with N26 Spaces

N26 premium customers get access to exclusive features that make saving money second nature. Create up to 10 Spaces sub-accounts, assign them a savings target, and instantly set money aside from your main account with drag-and-drop.

Automate your savings with Rules, so you can send recurring transfers to your space without lifting a finger. Collect your spare change with Round-Ups, the feature that rounds up each card purchase to the nearest euro and moves the difference into your chosen space.

Go premium to unlock 10 Spaces

Track your spending with Statistics

View your spending at a glance with Statistics—a feature that categorizes your monthly spending automatically into a handy overview. Not only does this allow you to review your financial habits, but also to optimize your budget for the future.

Banking on the big screen

We continuously strive to let you bank your way. So if you prefer doing your banking on the big screen, you can do so via the N26 WebApp.

Deposit fee

Up to €50,000 balance, no deposit fee applies. Please find more information in the Terms & Conditions.

Chat support–right in the app

Have a technical problem or a question about your free bank account? Our N26 specialists are here to help—and we speak German, English, French, Italian or Spanish. Contact us via the in-app chat function, or find answers to frequently asked questions in the Support Center.

Visit Support Center

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.

Smartphone and an N26 card.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Find the bank account for your lifestyle

With an N26 bank account, you never have to worry about waiting times or finding a local bank branch. Simply open your bank account in a few minutes, directly on your smartphone. The process is completely free of paperwork, and completely straightforward. Want even more out of your bank account? Check out our premium accounts, packed with exciting benefits such as special discounts, saving and budgeting tools, an insurance package, and much more.

Frequently asked questions

To open a free bank account at N26 you need to meet the following requirements. You must be:

  • Living in one of the supported countries
  • Be at least 18 years of age
  • Have a supported smartphone
  • Have a valid identification document on hand.

You can’t have two N26 accounts simultaneously. Please check this Support Center page for more information.

You can easily open your free bank account on your smartphone, or the N26 WebApp. The process is completely free of paperwork—just make sure you meet the requirements and have a valid ID on hand.

With N26 Standard you can enjoy a 100% mobile banking experience. Access your account from anywhere, at any time. Make transfers right from your smartphone, and always know how much money is going in and out of your account with real-time push notifications.

You’ll also receive a virtual N26 Mastercard for paying in stores, online, and in apps. Get up to 3 free ATM withdrawals per month at any ATM that supports contactless payment, and stay on top of your spending with Statistics—the feature that categorizes your spending in a handy monthly overview.

N26 Standard is a free bank account. You don’t have to deposit a minimum amount, and there are no monthly account fees. You’ll get 3 free ATM withdrawals per month, and even make payments in foreign currencies without incurring any extra charges. However, when you have a balance of more than €50,000, a deposit fee of 0.5% p.a. may apply. Please find the Terms & Conditions here.

Related posts

These might also interest you

Euro symbol.

Banking Basics: getting started

We’re here to demystify all things banking-related. Read our guide to take a closer look at the basics of your account.

Blog Header - Product Evolution - App screenshot.

Here’s how N26 is building a simple, beautiful user-experience for the 21st century

Banking with N26 is streamlined and enjoyable, and fully centered around our customers. Here’s how our app is delivering the best mobile banking experience today.

A credit card being inserted into an ATM.

Banking Basics: ATM fees

Confused why you’re getting charged ATM fees when you withdraw your cash? Read more about why it’s happening and how to avoid them next time.