N26—your mobile bank account in Austria
100% mobile banking that is secure and straightforward—N26 is your online bank in Austria. Easily manage your everyday finances from your smartphone and make more of your money with innovative features and real-time banking. N26 offers you a free bank account with no minimum on incoming payments required. Opening an account only takes a few minutes and you can do it from your phone without any paperwork.
A full banking license and deposit protection
N26 is a fully-licensed bank. With our European banking license, we're subject to the same strict regulations, just like other banks. Best of all, this means that your deposits up to €100,000 are protected by the European Deposit Guarantee Scheme (DGS).We're revolutionizing the banking sector—not only with innovative features and 100% mobile banking, but also in the way that we communicate. We believe in open feedback and transparency—and that's why you won't find hidden fees at N26.
ATM withdrawals
Which bank provides unlimited free ATM withdrawals across the entire Eurozone? N26 does! With a premium N26 account, you can even enjoy free withdrawals in foreign currencies worldwide. Plus, with a handy ATM locator in your N26 app, finding your nearest ATM is only a matter of seconds.With CASH26, you can also deposit and withdraw cash at over 2,000 retail partner stores in Austria. How's that for convenient banking?
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Your bank account in Austria gives you more control
Overdraft
Request an overdraft of up to €10,000 in minutes, and enjoy greater financial flexibility. See your daily fees at a glance, and adjust your overdraft settings with just a few taps in your N26 app. With N26, you're always in control.
Secure online banking
Stay up-to-date about all account activity, thanks to instant push notifications. Plus, lock or unlock your card, set withdrawal or payment limits, and allow foreign payments at any time in your N26 app.
Mastercard 3D Secure
Shopping online? Advanced 3D Secure technology keeps you protected with two-factor authentication. Simply open your N26 app, then tap to confirm your purchase before the online payment goes through.
Spaces sub-accounts
Spaces sub-accounts are a practical way to set money aside for your savings goals, projects, and expenses. With a premium N26 account, you can even invite up to 10 others to save and spend together from a Shared Spaces sub-account.
Mastercard or Maestro card? Why not both?
After opening your free bank account, get immediate access to your virtual N26 Mastercard. Add it to your mobile wallet, and start using it right away! Prefer Maestro instead? If you prefer to have a physical card, you can order it directly in the N26 app for a €10 delivery fee. Simply order a Maestro card from your N26 app.
Insurance for your travels, lifestyle and more
Take advantage of exclusive benefits with a premium N26 account. Get a travel, mobility, and snow sports insurance package courtesy of Allianz Assistance, and stay protected for flight and luggage delays, trip cancellations, epidemic and pandemic travel coverage, and so much more. With an N26 Metal account, you can enjoy added peace of mind with additional mobile phone and car rental insurance, too.
N26 Customer Support is here to help
Have a question? N26 Customer Support is available 7 days a week in German, English, French, Italian, and Spanish. Reach our N26 specialists via the Support Chat in your N26 app, or call us directly on our priority hotline if you're a premium customer. To quickly find answers to our Frequently Asked Questions, visit the N26 Support Center.
Visit our Support Center
Pay securely—online and in-store
Pay with your N26 virtual card using Apple Pay and Google Pay, anywhere contactless payments are accepted. It's easy to use, secure, and effortlessly mobile. All N26 physical and virtual cards are tokenized before they’re added to Apple Pay or Google Pay, which simply means that your sensitive card information is always stored securely.
Account switching service—switch to N26 in just 10 minutes
Already thinking about how to switch from your old bank to N26? Thanks to our partner finleap connect, 10 minutes is all it takes to automatically move over your existing direct debits, recurring transfers and standing orders to your new N26 account. At N26, we're all about making your life easier.
Switch to N26
