Security at N26

N26 operates with full European banking license, and the security of your bank account is always top priority. Alongside a series of intelligent features that keep your funds secure, your money is also protected up to €100,000 by the German Deposit Protection Scheme.

App scree showing how to lock your card.

Security procedures to keep you safe

Your N26 bank account comes with three-tier security measures that protect all your transactions, as well as additional in-app features for extra peace of mind.

Smartphone pairing

Pair your account to one smartphone at a time, and ensure that only you have access to your money.

Secure login

Log in in seconds with a secure password or via fingerprint identification and face recognition, and enjoy managing your bank account on-the-go.

Your PIN

Alongside choosing a secure confirmation PIN to confirm all outgoing transfers after pairing your account, you can also change your card PIN easily in the app, whenever you want.

Mastercard SecureCode - Icon - N26 Security.

3D Secure

Benefit from extra protection against fraud, thanks to advanced 3D Secure (3DS) technology that offers an additional authentication step when making online purchases.

Instant push-notifications

With push-notifications in real-time after all account activity, always stay up-to-date with where all your incoming and outgoing payments are going, and when. There’s no need to wait days for transactions to appear in your account, or until the end of a billing period to access an overview of all your funds.

App screen showing a push-notification.
App screen showing customizable settings.

Customizable security settings

Control your card’s setting wherever you are, right from the N26 app. Adjust your cash withdrawals and spending limits, and set restrictions on transactions made online or abroad. Reset your PIN, lock your card to prevent any unauthorized access if you misplace it, and even unlock it again if it turns up.

Stay alert online

Your account already comes with advanced security features to keep your money safe, but it’s always important to remain vigilant and take further measures to protect yourself. Never write down your passwords or PIN, only log into your N26 account on a computer you trust, and avoid using a public WiFi connection. Additionally, make sure your anti-virus software is up-to-date on your computer, and that you’re always using an updated version of the N26 app.

Download the guide
Computer screen and wi-fi password.
Phishing attempt.

What is phishing?

Phishing is when someone attempts to get your password or login details through deceptive emails, text messages or fake websites. To protect yourself from online fraud, avoid clicking on links in emails or text messages that seem suspicious. We will never ask you for your password or PIN—if you’re ever in doubt, contact our N26 Support team before you proceed.

N26 Customer Service is here to help

If you think your account’s security has been compromised, inform us immediately by reaching out to N26 Customer Service. Send us a message, or speak to one of our service agents via the chat in your N26 app—we take fraudulent activity very seriously and are on-hand to provide assistance.

Alternatively, if you have any questions or want to learn more about security at N26, you can find more information in our N26 Support Center.