Gratis-Konto.at recommends N26

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.
Open bank account

*Up to €50,000 balance, after which a deposit fee of 0.5% p.a. may apply. This does not apply to money in the N26 Savings account. Please find the T&Cs here.

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.
Laptop with desktop version of N26 on a black table.

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?
Learn more

Gratis-Konto.at recommends N26

Open bank account

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 SecureCode - Icon - N26 Security

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.
Hands holding N26 You and Maestro card with wheat background.
n26 standard card.
n26 metal card.
n26 you card.

N26—your online bank in Austria

8 minutes, your ID, and your mobile phone—that's all it takes to open your N26 bank account online. Ready to enjoy convenient, secure digital banking that's packed with innovative, easy-to-use features? Sign up now for your N26 bank account in Austria.
Open bank account

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