The bank
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Bank, save, and invest in one beautifully simple app
trusted by millions.Open free bank account

Bank for free — with no hidden fees

Open your account in minutes and enjoy 100% mobile banking. Get a free virtual card and monthly ATM withdrawals.
Open an N26 Standard account
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Save flexibly. Earn 2.25%*.

Grow your money without locking it away. Earn our best interest rate on your savings with N26 Metal.
Discover Instant Savings
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Truly free stock and ETF trading

Invest in stocks, ETFs, and ready-made funds managed by experts with no fees**. Explore 350+ crypto coins***. Then put it all on autopilot with our flexible investment plans.
Start investing
A gymnast wearing teal-colored clothes is holding a mobile with the N26 app open. In the foreground, a pop-up displays the balance and profitability of the Stocks and ETFs account and the Crypto account.

Travel without the fees

Make free ATM withdrawals and card payments worldwide. Enjoy market-leading foreign exchange fees. And travel stress-free thanks to insurance included with N26 You and Metal.
Open an N26 You account
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Switch banks in minutes

Open your N26 account and move your recurring payments in just a few taps.
Open free bank account

*N26 Instant Savings account interest rates are based on your main 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

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