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.
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.
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 3%* p.a. It’s yet another benefit of our most premium bank account.
Start investing in your future from just €1 — right in your banking app. Invest in stocks and ETFs*** with just a few taps and at a transparent, flat rate of €0.90 per trade. N26 You and Metal customers get 5 and 15 free monthly trades, respectively. Set up a fully-flexible automated investment plan — available for all memberships at no extra cost. And if you want to, you can invest in almost 200 cryptocurrencies, as well****.
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 main N26 Membership, for both personal and business accounts: 1.7% p.a. for Standard and Smart, 2% for You, and 3% p.a. for Metal (before taxes), as of 1.8.2024. 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 and ETFs. These statements also do not constitute an offer to conclude a contract for the purchase or sale of stocks and ETFs. Stocks and ETFs 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.
Is N26 a bank?
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.
Is N26 secure?
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.
How is N26 protecting my money and personal data?
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.
What documents do I need to open a bank account?
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.
How much does it cost to open a bank account?
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.
Which Austrian bank can I switch from?
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.
How long does it take to open a bank account with N26?
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.
How can I deposit money with N26?
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.
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.
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.