N26 Standard—your free student bank account

Saving money as a student? Sure, it’s possible—with N26 Standard!
  • no account maintenance fees
  • free virtual card, apple pay and google pay
  • straightforward banking without complicated conditions
  • fee-free withdrawals
  • Intuitive app, perfect for banking on the go
  • simple savings features
Student in class with a notebook paying attention to her teacher and taking notes.

Keep your finances in check with N26 Smart

  • Save money with up to 10 Spaces sub-accounts
  • Get insights into your spending habits with Statistics
  • Choose a debit Mastercard in one of 5 colors
  • Enjoy a number of perks from our partner brands

Send and receive money instantly

Whether it’s making a last-minute rent payment or splitting the dinner bill —with N26, you can settle up in seconds! Send, receive, and request money from your N26 contacts instantly with MoneyBeam. Plus, use instant payments to transfer money in seconds—no matter which bank account you’re sending it to. And with your new student account, you can save yourself the post-meal hassle with Split the Bill and divvy up shared restaurant bills with just a few taps in your N26 app.
MoneyBeam instant transfer screenshot.

Enjoy amazing perks

Only got spare change left? Thanks to N26 Perks, you don’t have to spare yourself the fun. Get exclusive discounts from top brands like FlixBus, Reebok, GetYourGuide, and more.

100% digital and secure

N26 has a full European banking license. That means the funds in your student account are protected up to €100,000, so you can enjoy 100% secure, mobile banking!

No hidden costs

100% transparency, 0% hidden costs. Benefit from free ATM withdrawals all over Austria and free payments in any currency—all with our N26 student bank accounts!

Always flexible with your overdraft limit

With your N26 student account, you can set up, adjust, and always keep track of your spending in just a few minutes. With your flexible overdraft credit, you have full control over your finances at any time.

N26 Smart—spend and save with confidence

Finally, a student bank account that’s just as mobile as you are. With N26 Smart, managing your finances is effortless and, well, smart! Save money for your unique goals with Spaces sub-accounts—our signature virtual piggy banks. To save even more, use Round-ups to automatically round up card payments to the nearest euro and transfer the difference to a designated Space.


  • How can I open a student bank account at N26?
  • What are the benefits of student bank accounts?
  • How much money do I need to open a student account?
  • Can I open a student account without my parents?
  • What’s the best student bank account N26 has to offer?