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
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
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.
Save for your goals with Spaces sub-accounts
Find a plan for you
N26 Standard
The free* online bank account
€0.00/month
A virtual debit card
Free payments worldwide
Up to 3 free withdraws
Deposit protection
N26 You
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