The bank you’ll love
Money made beautifully simple. Spend, save, and invest in one intuitive app that's trusted by millions.Open free bank accountBank by your own rules
Not a fan of waiting times, hidden fees, or paperwork? Us too. Get a bank account that's with you everywhere you go. Plus, open a joint account in minutes at no extra cost and manage your money together.
Explore joint accounts
Your free account
With a virtual Mastercard and free card payments worldwide with no foreign transaction fees.
Get N26 Standard
Simply secure
Our innovative security features keep your money and data simply secure.
Security at N26
24/7 support
Contact us day and night via the chat in your N26 app — in five languages.
Visit our Support Center
Flexibility when you need it
Stay financially flexible and activate your overdraft directly in your N26 app.
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Your 100% mobile bank account
Manage all your finances directly from your smartphone and pay with a tap using your virtual N26 Mastercard. Send money in seconds with MoneyBeam and instant transfers, and get spending insights to help you budget and stay on track. Our premium accounts offer even more perks and extra features for when you're at home or on the go.
Open and N26 Standard account
Save flexibly. Earn up to 2.25% p.a.*
N26 Instant Savings is our easy-access savings account that's 100% flexible. Earn interest on all your savings with no deposit limits** and dip into it anytime. Win-win.
N26 Metal customers enjoy our highest interest rate of 2.25%* p.a. It’s yet another benefit of our most premium bank account.
Discover Instant Savings
Get a world of investment choices
Start investing in your future from just €1, right in your banking app. Invest in stocks and ETFs*** with no trading fees — or let the experts do the hard work for you with one of our ready-made funds***. You can also buy and sell 350+ crypto coins****. And if you’re looking for a hands-off way to invest every month, you can set up an automated investment plan in just a few taps.
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N26 accounts — your money deserves an upgrade
N26 Standard
The free account for your everyday banking needs
Virtual Card
€0.00/month
1.05% interest p.a. on your Instant Savings
Pay worldwide with no foreign transaction fees
Free ATM withdrawals in Austria and the eurozone
A virtual debit card
Free stock and ETF trading
N26 Smart
The bank account that gives you more control
€4.90/month
N26 You
The all-in-one account for banking and travel
€9.90/month
All benefits of N26 Smart, Plus
1.25% interest p.a. on your Instant Savings
Free ATM withdrawals outside the eurozone
Free ATM withdrawals worldwide
Travel insurance
MORE INTEREST
N26 Metal
The premium bank account with a metal card
€16.90/month
All benefits of N26 You, Plus
2.25% interest p.a. on your N26 Instant Savings
Lower fees on N26 Crypto
Travel, phone, and purchase protection insurance
Premium stainless steel Mastercard
For more information on the N26 membership plans and Allianz Assistance insurance coverage, please see the plan comparison page and the applicable T&Cs.
*N26 Instant Savings account interest rates are based on your N26 membership, for both personal and business accounts: 1.05% p.a. for Standard and Smart, 1.25% for You, and 2.25% p.a. for Metal (before taxes), as of 05.02.2025. Please note that rates per membership are variable and can be changed by N26 over time.
**The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
***These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes.
****The market for crypto assets constitutes a high risk. A complete loss of the money spent is possible at any time. N26 Crypto is powered by Bitpanda GmbH.
N26 is the first 100% mobile bank to be granted and operate with a full German banking license from BaFin. That means your money is fully protected — both in your bank account and Instant Savings account — up to €100,000 by the German Deposit Protection Scheme.
N26 has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customer's online payments is always guaranteed.
As a bank, N26 is supervised by the German Federal Financial Supervisory Authority (BaFin). Our clients' funds are guaranteed up to €100,000 by the German Deposit Protection Scheme. In addition, the N26 app has many features to ensure the security of its users' bank accounts and data.
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.
The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, the N26 You bank account costs €9.90 per month, and the N26 Metal account is available for €16.90 per month. To open an N26 account, no deposit or minimum income is required.
You can easily switch your bank account to N26 from almost every Austrian bank! Just type in the name of your current bank. Discover how to switch banks with our tool to facilitate the process.
You can open your mobile N26 account online in minutes from your phone or the N26 website — no paperwork or waiting times. But best of all: Once your N26 bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
Thanks to Cash26, you can deposit and withdraw cash at over 2,000 shops across Austria with your N26 bank account, so you can skip the ATM line. Simply create a Cash26 barcode in your N26 app to deposit or withdraw cash at our partners Billa, Penny, and DM. Withdrawals with Cash26 are free, and we charge a 1.5% fee for deposits.
Find out more
What Is an ETF? An Overview for Beginner Investors
Everyone is talking about ETFs. Here's why — and what you need to know before investing in them.
Investment for beginners: what is investing and how to easily get started
From purchasing real estate to buying stocks, investing is the key to a secure and stable financial future. In this guide, learn what investing is and what you need to know to get started.
Deposit protection scheme: why your money is protected
Looking for reassurance that your money is protected? Deposit protection schemes help secure the money in your bank account.