Open a bank account online in minutes
- Receive, send, and manage your money in the N26 app
- Open an account in minutes with zero paperwork
- Intuitive and 100% mobile banking from wherever you are
Sign up
Hit the button below and enter your personal details in order to create your account.
Verify your identity
Please have a valid ID at hand. We don't have branches so you can verify your identity within the app.
Add your card to your wallet
Your N26 virtual debit card is ready to use.
Enjoy your N26 account!
You're good to go! You can already top up your account and start using your virtual card.
All in one app
N26 Standard—your free bank account in Austria
- Open a free account in minutes
- Manage your money directly from your smartphone
- Discover intuitive features like N26 insights to manage your income and spending
- Stay in full control of your finances
- Withdraw money for free—at home and abroad
More than an app: A fully licensed bank
N26 features you’ll love
Physical or digital debit Mastercard
Your debit Mastercard is accepted worldwide and offers zero foreign transaction fees—as well as SecureCode authentication for extra security.
Instant payments with N26
Send or receive money 24/7, and top up your account in seconds with instant payments. Plus, easily transfer money to other N26 customers via MoneyBeam.
Budgeting tools
From instant push notifications to spending limits to in-depth features like N26 Insights, you’ll have all the tools you need to stay within your budget.
Virtual card
Connect your virtual card to Apple Pay or Google pay, and start spending right from your mobile wallet the minute you open your account.
N26 Smart—the bank account that fits your lifestyle
- Get a free physical debit Mastercard
- Save money easily with up to 10 Spaces sub-accounts
- Benefit from exclusive partner offers
- Pay for free in foreign currencies
- Enjoy unlimited free withdrawals at ATMs within the Eurozone
Find a plan for you
N26 Standard
The free* online bank account
€ 0,00/month
- A virtual debit card
- Free payments worldwide
- Deposit protection
N26 Smart
The bank account that gives you more control
€ 4,90/month
N26 Go
The debit card for everyday and travel
€ 9,90/month
- Up to 5 free withdrawals in the Eurozone
- Flight and luggage delay cover
- Medical emergency cover
- Winter activities insurance
- Pandemic coverage
N26 Metal
The premium account with a metal card
€ 16,90/month
- An 18-gram metal card
- Up to 8 free withdrawals in the Eurozone
- Purchase protection
- Phone insurance
- Dedicated N26 Metal line
Frequently asked questions
- To open an N26 bank account, you must meet the eligibility criteria. If you do, you can simply register via the N26 WebApp on desktop or the N26 app on your smartphone. It only takes minutes to open a bank account, and there’s no paperwork involved. You can start using your account right away once your identity is verified. For more information on how to open your N26 account, and a list of your required documents, visit our Support Center.
- No, you can’t hold two N26 accounts at the same time.
- You can open an N26 account online within minutes right from your smartphone—no paperwork, no waiting times.
- You’ll need to be at least 18 years old to open a bank account with N26.
- Opening a bank account online with N26 is simple. Just head to your app store and download the N26 app. Then, create your account and choose between an N26 Standard, Smart, N26 Go, or Metal plan. After that, you’ll need to verify your identity during a brief call with us. Once that’s done, pair your account with your smartphone and start spending and saving the N26 way!
- In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved—just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.
- N26 Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account. However, if your balance is over €50,000, you may be charged a 0.5% p.a. Deposit Fee on this balance. Read more about this in our General Terms and Conditions. N26 Smart, N26 Go, and Metal premium accounts cost a monthly fee. For more information, visit our website to compare accounts.