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

N26 You card, Petrol.
MoneyBeam instant transfer screenshot.

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.

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?

You can open an N26 student account by following three simple steps:

  1. Go to n26.com or download the N26 app.
  2. Compare our plans to find the best student account for you. Sign up in minutes—we’ll verify your identity with your valid ID.
  3. Then, top up your student account and connect your N26 debit Mastercard with Apple Pay or Google Pay so you can start spending right away!

What are the benefits of student bank accounts?

A student account comes with a number of benefits. With an N26 student bank account, you’ll have access to free features to save and budget the easy way. Our Statistics feature neatly categorizes your spending in categories such as “Food & Groceries” or “Shopping.” On top of that, you’ll enjoy free ATM withdrawals and get exclusive discounts at popular brands such as FlixBus, Reebok and GetYourGuide. Plus, an N26 student account is completely free of charge!

How much money do I need to open a student account?

The cost of a student bank account depends on the bank you choose. Some banks ask users to top up their balance immediately when opening their student bank accounts. This is sometimes referred to as a ‘minimum opening deposit.’ Other banks will charge you a monthly fee that’s automatically deducted from your account—so-called ‘maintenance fees’.

With a free N26 student account, you won’t have to worry about maintenance fees or minimum opening deposits. In fact, you can open an account directly in the N26 app in just minutes—it’s fast, simple and 100% paperwork-free. And, N26 is a fully licensed, 100% mobile bank, meaning your money is protected up to €100,000 just like with traditional banks.

Can I open a student account without my parents?

If you’re under 18, you’ll need the permission of one of your parents or a legal guardian to open a bank account. Whether or not you can open a student account without your parents also depends on the laws and regulations of the country you’re studying in. At N26, you can open your bank account without your parents’ permission provided you’re at least 18 years old. Learn more about all the requirements for opening a bank account here.

What’s the best student bank account N26 has to offer?

Which student account is best for you depends on your needs. For example, if you’re looking for a free bank account, the N26 Standard account is your best bet. This free student account gives you an IBAN and a digital N26 Mastercard, which you can easily connect to Google Pay or Apple Pay. Use MoneyBeam to instantly send, receive, and request money from your N26 contacts free-of-charge. This way, you can enjoy student life without worrying about maintenance fees!

If you’re looking for a student account that helps you save and budget, N26 Smart is perfect for you. In addition to getting a physical N26 Mastercard in one of 5 colors, you’ll get access to innovative features and tools to save and manage your finances. On top of that, you’ll benefit from free ATM withdrawals and exclusive discounts thanks to N26 Perks. Create up to 10 Spaces sub-accounts to reach your personal savings goals, and easily manage shared expenses with up to 10 other N26 users with Shared Spaces. The best part? You’ll get all this for just €4.90 per month.