What do you need to open a bank account?

To open an N26 bank account, you must meet the [eligibility criteria](https://support.n26.com/en-at/account-and-personal-details/opening-an-account/how-to-open-my-n26-account). 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, {{pan-you-al}}, 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](https://docs.n26.com/legal/01+DE/01+Account/de/03account-terms-and-conditions-de.pdf). N26 Smart, {{pan-you-al}}, and Metal premium accounts cost a monthly fee. For more information, visit our website to [compare accounts](https://n26.com/en-at/plans).

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

Open bank account

Woman checking her bank statement and holding an N26 debit card.

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

With N26, all the tools you need to build your financial wealth are in one place. Manage your stocks, ETFs, and crypto portfolios without having to download another investment app.

A woman sits on a park bench holding her dog and phone, with overlaid cards showing savings, stocks, and crypto accounts.

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

Open bank account

More than an app:  A fully licensed bank

N26 is a fully licensed German bank. That means we have the same security regulations as any other bank. It also means your funds are protected up to €100,000 by the German Deposit Protection Scheme. But our security measures don't stop there.

Image showing a mobile phone with N26 spaces app inside a security badge.

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

Open bank account

Find a plan for you

N26 Standard

The free* online bank account

Virtual Card

€ 0,00/month

A virtual debit card
Free payments worldwide
Deposit protection

Open free bank account

N26 Smart

The bank account that gives you more control

€ 4,90/month

Free Virtual Card
Up to 10 Spaces sub-accounts
Support Center phone number
Round-ups

Open N26 Smart account

POPULAR

N26 Go

The debit card for everyday and travel

CRST-18128_PulseSoft_SavingsPlans_LP8c-Desktop-1334x1334.

€ 9,90/month

Up to 5 free withdrawals in the Eurozone
Flight and luggage delay cover
Medical emergency cover
Winter activities insurance
Pandemic coverage

Open N26 Go account

N26 Metal

The premium account with a metal card

€ 16,90/month

An 16-gram metal card
Up to 8 free withdrawals in the Eurozone
Purchase protection
Phone insurance
Dedicated N26 Metal line

Open N26 Metal account

N26 Standard

The free* online bank account

Virtual Card

€ 0,00/month

A virtual debit card
Free payments worldwide
Deposit protection

Open free bank account

N26 Smart

The bank account that gives you more control

€ 4,90/month

Free Virtual Card
Up to 10 Spaces sub-accounts
Support Center phone number
Round-ups

Open N26 Smart account

POPULAR

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

Open N26 Go account

N26 Metal

The premium account with a metal card

€ 16,90/month

An 16-gram metal card
Up to 8 free withdrawals in the Eurozone
Purchase protection
Phone insurance
Dedicated N26 Metal line

Open N26 Metal account

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.

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.

Standard

Smart

Go

Metal

Business Standard

Business Smart

Business Go

Business Metal