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.

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
Image of N26 app with a virtual card.

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.

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

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, Teal.
N26 You card, Ash.
N26 You card, Wheat.
N26 You card, Petrol.
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, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.


  • 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

N26 Metal - Slate Grey.
N26 Metal - Charcoal Black.
Quartz Rose - N26 Metal Card.


  • An 18-gram metal card

  • Up to 8 free withdrawals in the Eurozone

  • Purchase protection

  • Phone insurance

  • Dedicated N26 Metal line

Frequently asked questions

  • What do you need to open a bank account?
  • Can I open two bank accounts at once?
  • How long does it take to open an account?
  • How old do you have to be to open an N26 bank account?
  • Can I open a bank account online?
  • What documents do I need to open a bank account?
  • How much does it cost to open a bank account?