Love your bank

Your money, beautifully simple. Manage your finances in one secure app that's easy to use and trusted by millions.

Your 100% mobile bank account

Tired of waiting in lines, surprise fees, or banking bureaucracy? Same here. Open your new bank account with a virtual card and 24/7 customer support — and manage your money anytime, anywhere.
Open N26 Standard Account
A floating smartphone shows the N26 virtual card on the screen.
A hand holding a petrol N26 card against a backdrop of clear blue sky.

Free withdrawals

Enjoy three free domestic ATM withdrawals every month, and a virtual Mastercard for when you want to go cashless.

A woman lies on a teal-colored bed with a greeting message in the foreground.

24/7 banking on the go

Get support whenever you need it, with a bank account that's designed for travelers — and with no hidden fees.

Transparent, secure transfers

Send money reliably and quickly, whether it's close to home or anywhere within the eurozone.

An N26 virtual card with a map highlighting cash points in the background.

Includes free card

Get a free virtual Mastercard you can start using right away.

Discover N26 Instant Savings*

No deposit limits**, straightforward conditions, and total flexibility. Discover N26 Instant Savings, the easy-access savings account — in your N26 app for no added cost. Earn interest on all your savings and dip into it anytime. Win-win.
More about the Instant Savings account

*Deposits on the N26 savings account are remunerated at the gross annual nominal rate of 4% for the N26 Metal account, 2.8% for the N26 Standard, N26 Smart and N26 You accounts. Prices are subject to change at any time by N26. The offer is provided under the German law. No key information or other legally prescribed documents are available for these accounts. For customers in Belgium, more info here. **The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
Virtual currencies, real risks. In crypto, only the risk is guaranteed. Warning– the value of your virtual currencies may vary very significantly both up and down and the amount you invest may be completely lost. Learn more here. N26 Crypto is powered by Bitpanda Asset Management GmbH.

Experience Crypto at N26

N26 Crypto is just a couple of taps away in your N26 app. Trade instantly, track market movements, and get access to over 200 coins***.
Take a look
Woman sat is a couch looking in her mobile N26 Crypto features.

Security at N26

N26 has a full German banking license from BaFin, so your funds are legally protected up to €100,000 by the Compensation Scheme of German Banks. Our extra layers of security also keep your money safe, like device pairing, 3D Secure, and biometric identification.
image showing a mobile phone with N26 virtual card inside a security badge.
N26 You card, Wheat.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.

Open your N26 account in minutes

Whether you're looking for a flexible, free online bank account or a premium account complete with insurance packages and smart budgeting tools, N26 has got you covered. There's no paperwork and no hassle — open your account from your phone in minutes.

  • Is N26 a bank?
  • Is N26 secure?
  • How is N26 protecting my money and personal data?
  • How do I open an N26 account?
  • What documents do I need to open a bank account?
  • How much does it cost to open a bank account?
  • How long does it take to open a bank account with N26?
  • How do I get an IBAN with my N26 account?
  • Where can I find my N26 IBAN ?