N26 joint account
Your finances — better together
Everything in life is better shared, including money. Keep all your finances side-by-side with your personal account and joint bank account at N26.N26 joint accounts include handy insights, dedicated IBANs, and easy-to-use features to make managing shared finances a breeze.
What is an N26 joint account?
The N26 joint account is a bank account for two people to share. You can use its dedicated IBAN to manage your shared finances, including setting up recurring payments for shared bills. You can also link your N26 card to pay with your shared money.All customers with a personal N26 account may open one joint account with one other person. It takes just a few minutes and you can do it in the N26 app.
Pay directly from your joint account
Link a virtual or physical N26 card to your joint account for convenient, contactless payments using your shared money — for example for groceries and bills.
Track your budget — together
Managing your budget and spending habits is easy with N26 Insights, even when your finances are shared.Achieve financial goals together and enjoy 100% transparency as you do it. Filter payments by participant, and use our budgeting tools to oversee your joint finances.
Share the benefits of your joint account
100% digital
Open your shared bank account with a dedicated IBAN in minutes — no paperwork, no hassle, no waiting.
Simple to use
Get the same simplicity you enjoy with your personal N26 account, including instant transfers.
100% transparent
Keep your shared finances in check with filtered insights and budgeting features.
Full joint control
Stay in full, equal control — both account holders have full legal ownership of the shared money.
How to open your joint account
- If you're not already an N26 customer, open a personal N26 account
- Select 'Joint Account' from the 'Finances' tab in your N26 app
- Invite one of your contacts to open a joint account with you
- Then both of you must confirm the terms and conditions
- Finished! Enjoy your joint account
Your money is protected
Since N26 is a fully-licensed German bank, the money in your bank accounts — including your joint account — is protected up to €100,000 by the German Deposit Guarantee Scheme.
See how N26 is simply secure
Enjoy special deals with N26 Perks
Unlock great discounts from our selection of partner brands with your N26 joint account. Whip up your favorite meal for less with HelloFresh, skip cooking entirely with savings on Wolt, or design your dream home together with Westwing. Perks are updated often, so you can enjoy generous discounts throughout the year.
View partner offers
- How many people can use a joint account?
- Do I need a personal N26 account to open a joint account?
- Can I get two physical cards with my joint account?
- How can I open a joint account as a new customer?
- How can I open a joint account as an existing customer?
- Who is liable for a joint account?
- Whose name is the joint account in?
- How much does a joint account cost?
- Can I switch my joint account from another bank to N26?