Compare N26 bank accounts in Austria

Find the perfect plan for you

N26 Standard

The free digital bank account

Transparent N26 Standard card.

€0.00/Month

N26 Smart

The bank account with tools for spending and saving

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

€4.90/Month

POPULAR

N26 You

The bank account for travel and everyday needs

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

€9.90/Month

N26 Metal

The premium account with perks and a metal card

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

€16.90/Month

Physical card
Optional
Virtual card
Contactless payments
Mobile payments
Extra card (optional)
N26 Crypto
100% mobile banking
Free payments worldwide
CASH26 deposits & withdrawals
Free domestic ATM withdrawals
Unlimited
Unlimited
Unlimited
Unlimited
Free ATM withdrawals in the EU
Unlimited
Unlimited
Unlimited
Unlimited
Free ATM withdrawals abroad
Cashback
Business accounts only
Business accounts only
Business accounts only
Business accounts only
Chatbot support
In-app chat
Phone support
Travel delays
Baggage delay
Baggage coverage
Emergencies while traveling
Trip cancellation
Trip interruption
Personal liability insurance
Mobile phone coverage
Purchase protection
Insights on spending
Spaces sub-accounts
10
10
10
Shared Spaces
Round-ups
Premium partner offers
Unique experiences
Transaction list
Business accounts only
Business accounts only
Business accounts only
Business accounts only
Deposit protection
3D Secure payments
Two-factor authentication

N26 Standard

The free digital bank account

Transparent N26 Standard card.

€0.00/Month

N26 Smart

The bank account with tools for spending and saving

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

€4.90/Month

N26 You

The bank account for travel and everyday needs

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

€9.90/Month

N26 Metal

The premium account with perks and a metal card

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

€16.90/Month

Find the perfect plan for your business

N26 Standard

The free* digital business bank account with cashback for freelancers

N26 Business Card.

€0.00/Month

POPULAR

N26 Smart

The business bank account with cashback and financial tools for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€4.90/Month

N26 You

The business bank account with cashback and travel perks for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€9.90/Month

N26 Metal

The premium bank account with cashback and a metal card for freelancers

Black N26 Business Metal card.
Pink N26 Business Metal card.
Gray N26 Business Metal card.

€16.90/Month

Physical card
Optional
Virtual card
Contactless payments
Mobile payments
Extra card (optional)
Cashback on purchases
0.1%
0.1%
0.1%
0.5%
N26 Crypto
100% mobile banking
Free payments worldwide
CASH26 deposits & withdrawals
Free domestic ATM withdrawals
Unlimited
Unlimited
Unlimited
Unlimited
Free ATM withdrawals in the EU
Unlimited
Unlimited
Unlimited
Unlimited
Free ATM withdrawals abroad
Chatbot support
In-app chat
Phone support
Travel delays
Baggage delay
Baggage coverage
Emergencies while traveling
Trip cancellation
Trip interruption
Personal liability insurance
Purchase protection
Mobile phone coverage
Transaction list
Insights on spending
Spaces sub-accounts
10
10
10
Shared Spaces
Round-ups
Premium partner offers
Unique experiences
Deposit protection
3D Secure payments
Two-factor authentication

N26 Standard

The free* digital business bank account with cashback for freelancers

N26 Business Card.

€0.00/Month

N26 Smart

The business bank account with cashback and financial tools for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€4.90/Month

N26 You

The business bank account with cashback and travel perks for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€9.90/Month

N26 Metal

The premium bank account with cashback and a metal card for freelancers

Black N26 Business Metal card.
Pink N26 Business Metal card.
Gray N26 Business Metal card.

€16.90/Month

Personal Bank Account FAQ

What documents do I need to open a bank account?

In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved—just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.

How much does a N26 bank account cost?

The Standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €9.90 per month, the N26 You bank account costs €9.90 per month and the N26 Metal account is available for €16.90 per month, with a 12-month commitment period. To open an N26 account, no deposit or minimum income is required.

How old do you have to be to open an N26 bank account?

You’ll need to be at least 18 years old to open a bank account with N26.

What do I need to do to switch bank accounts?

Simply visit the Qwist website and follow the instructions. Qwist will then contact all relevant parties and automatically transfer direct debits, standing orders, and incoming transactions for you.

Alternatively, you can switch bank accounts yourself by sending the details of your new bank account to any relevant parties.

What’s the difference between a personal bank account and a business one?

The major difference between a personal bank account and a business account is what it’s used for. As the name suggests, personal bank accounts are designed for personal, day-to-day use. Conversely, business accounts are only intended for business transactions. A business account gives you a better overview of your business expenses and enables you to store the relevant receipts more easily. This blog post tells you more about the differences between these two kinds of accounts.

Can I have a personal and business account at the same time?

You can’t have two bank accounts with N26 at the same time. If you already have an N26 account but would like to open up an N26 business account, you’ll have to close your personal account first. Then you can open a business account through the N26 app or our website.

Services and Fees for everyone who registers with an address in Austria.
For our detailed price list, view PDF here

For more information on Allianz Assistance insurance coverage, please see the General Conditions of N26 You, N26 Business You or N26 Metal account.