N26 for expats

Online bank in Austria, no need to speak German

Open your bank account from your phone and start enjoying the benefits of controlling all your finances in one app.✓ Free account ✓ Fast sign-up process in minutes ✓ 100% app-based banking: no paperwork required ✓ Your finances in your language
Open Austrian Bank Account
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+8 Million

customers

~1.8B USD

Invested

+1500

Employees

~$1.8B

Invested

Your money is protected

N26 is a fully-licensed German bank. That means the money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. 
See how N26 is simply secure
Image showing the balance in the main account and the savings account with security icon.

Pay with your debit card wherever you are

Your N26 debit card is accepted worldwide, making it the perfect companion for travels. Pay online, in stores, and apps with your debit card, and forget about foreign currency fees - we don't charge any additional fees for transactions in foreign currencies. With N26 You or N26 Metal, you can also withdraw cash for free at ATMs abroad. With the convenient ATM finder in your N26 app, you can easily locate the nearest ATM even more effortlessly.
Open Austrian Bank Account

Fuss-free foreign transfers with Wise

Transferring money back home, or paying bills across the world? With N26 and Wise, sending funds abroad is hassle-free, fast and reliable—just choose from a wide selection of currencies and make an international transfer at the real market exchange rate. You’ll be charged as little as possible, get full transparency every step of the way, and won’t get hit with hidden fees. And with the Wise feature directly integrated into your N26 app, all it takes is a few taps on your phone.

Customer Support — wherever you are

Run into any problems, or just have a question? Whatever the issue or need, our Customer Service team is always on-hand to help you in English, French, German, Spanish and Italian. Contact them via email, or connect via chat with an N26 expert right through your app.
Woman laying down looking at her mobile and holding a N26 card.

What's next?

  1. Register online
  2. Verify your identity in a short videocall
  3. Receive your N26 Mastercard
  4. Enjoy your N26 account
Open Austrian Bank Account

See our available plans

Don’t settle for basic banking. There’s an option for everyone—which suits you best?

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card

€ 0,00/month

  • Apple Pay & Google Pay

  • Up to 3 free withdrawals per month

  • Free payments worldwide

  • Chat support 7 days a week

Open a Standard account
BEST ACCOUNT FOR EXPATS

N26 Smart

Save + spend with premium perks

N26 You card, Wheat.

From €3.90/month

All benefits of N26 Standard, Plus:

  • A physical and virtual card

  • Up to 5 free withdrawals per month

  • 10 Spaces sub-accounts

  • Phone support 7 days a week

Open a Smart account

N26 You

Travel with premium perks

N26 You card, Rhubarb.

From €7.90/month

All benefits of N26 Smart, Plus:

  • Unlimited withdrawals worldwide

  • Travel insurance

  • Medical emergency coverage

  • Mobility Insurance

Open an You account

N26 Metal

Our most premium plan

N26 Metal - Slate Grey.

From €13.50/month

All benefits of N26 You, Plus:

  • An 18-gram metal card

  • Up to 8 free withdrawals per month

  • Priority customer hotline

  • Purchase protection

Open a Metal account

Get a discount when you pay annually

Choose to pay for your N26 Smart, You or Metal account annually and you’ll save 20% — that’s a premium N26 account at much less of a premium.

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card

€ 0,00/month

  • Apple Pay & Google Pay

  • Free payments worldwide

  • Up to 3 free ATM withdrawals per month

  • -

    *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.

N26 Standard
POPULAR

N26 Smart

Save + spend with premium perks

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

From €3.90/month

All benefits of N26 Standard, Plus

  • A physical and virtual card

  • Up to 5 free ATM withdrawals per month

  • 10 Spaces sub-accounts

  • Phone support 7 days a week

N26 Smart

N26 You

Travel with premium perks

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

From €7.90/month

All benefits of N26 Smart, Plus

  • Unlimited free withdrawals in foreign currencies

  • Insurance for delay and theft of luggage

  • Medical emergency cover

  • Emergencies when travelling

N26 You

N26 Metal

Our most premium plan

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

From €13.50/month

All benefits of N26 You, Plus

  • An 18-gram metal card

  • Up to 8 free ATM withdrawals per month

  • Purchase protection

  • Priority customer hotline

N26 Metal

Frequently asked questions

    After you've validated your email address, you'll have to verify your identity via a video call through the N26 app. You can see what type of IDs we accept here.

    You can open a N26 account if you’re at least 18 years old, living in one of these countries, and own a compatible smartphone. To start the sign-up, simply create an account in the N26 app or on the N26 website and confirm your email address. You can then introduce yourself with your ID directly in the app and then pair your smartphone with your account.