Open a bank account online in minutes

Ready for a bank account you’ll actually love?

  • 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

Woman checking her bank statement and holding an N26 debit card.
Image of N26 app with a virtual card.

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

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

Hands holding two cards.

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.

A woman in the company of her instructor doing skydiving and a N26 teal card with a space called bucket list.

Save for your goals with Spaces sub-accounts

You’ve got big dreams—why not give them some space? With any N26 premium account, you’ll get up to 10 Spaces sub-accounts to help you save the easy way. Give each Space a unique name and savings goal, and instantly add money from your main account with just a few taps.

Find a plan for you

N26 Standard

The free* online bank account

The N26 virtual card.
Virtual Card
  • A virtual debit card
  • Free payments worldwide
  • Up to 3 free withdraws
  • Deposit protection

N26 Smart

The bank account that gives you more control

N26 You card, Rhubarb.
  • Free Virtual Card
  • Up to 10 Spaces sub-accounts
  • Support Center phone number
  • Round-ups

N26 You

The debit card for everyday and travel

N26 You card, Petrol.
  • Up to 5 free withdrawals in the Eurozone
  • Flight and luggage delay cover
  • Medical emergency cover
  • Winter activities insurance

N26 Metal

The premium account with a metal card

N26 Metal - Charcoal Black.
  • An 18-gram metal card
  • Up to 8 free withdrawals in the Eurozone
  • Purchase protection
  • Phone insurance

Frequently asked questions

What do you need to open a bank account?

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.

Can I open two bank accounts at once?

No, you can’t hold two N26 accounts at the same time.

How long does it take to open an account?

You can open an N26 account online within minutes right from your smartphone—no paperwork, no waiting times.

How old do you have to be to open an N26 bank account?

You’ll need to be at least 18 years old to open a bank account with N26.

Can I open a bank account online?

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, You, 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!

What documents do I need to open a bank account?

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.

How much does it cost to open a bank account?

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, You, and Metal premium accounts cost a monthly fee. For more information, visit our website to compare accounts.