Top up—add money to your bank account quickly and easily

Bank balance getting low? Then it’s time for a top up! A top up simply means adding money to your account so you have enough balance to cover any upcoming payments. This guide will show you how to top up your account, and how N26 makes topping up a breeze.
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Image showing a person with an N26 debit card and the N26 app displaying the account feed with the list of transactions.

What’s a top up?

When you make a top up, you’re depositing money into your bank account. You can also top up a prepaid card that isn’t connected to your bank account. In either case, you’re adding money to increase your existing balance. Top up in person, online, through an app—there are plenty of options to choose from. Read on to learn more.

Ways to top up an account

Topping up in person is usually as easy as going to a physical branch, an ATM, or a participating retail store and handing over the amount of cash you want to deposit. Digital top up methods include

Top up processing times

It might take some time before your top up shows up in your account, depending on your top up method. Some might appear instantly in your account, while others might take up to 5 days. With N26, all top ups are either instant or take up to 2 days at most.

Top up safely with secure transfers

All N26 accounts have a three-tier security system for your protection. Every time you need to top up, you’ll log in with a password, fingerprint, or face recognition. You must confirm each top up with your 4-digit PIN, and then you’ll receive a real-time push notification to verify your order is correct. Plus, all transactions you make with your N26 debit Mastercard are protected with 3D Secure technology. Read more on N26 security and 3D Secure measures here for even more peace of mind.