Love your bank

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

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
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Free withdrawals

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

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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.

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Transparent, secure transfers

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

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Includes free card

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

Invest in stocks, ETFs, and crypto

Trade stocks and ETFs*** right in your N26 app. Pay a flat rate of €0.90 per trade, with 15 free monthly trades for N26 Metal customers, and 5 if you have N26 You. Invest as little as €1 and automate it with our flexible investment plans. Curious about crypto? We’ve got over 200 cryptocurrencies to pick from****.
Learn more
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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.
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Discover N26 Instant Savings

No deposit limits, straightforward conditions, and total flexibility. Discover N26 Instant Savings, the non-regulated 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
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Deposits into N26 Instant Savings account earn interest at an annual gross nominal rate of 3% with N26 Metal (2.1% net), 2% with N26 You (1.4% net), and 1.7% with N26 Smart and N26 Standard (1.19% net) as of 1.8.2024. Please note that rates per membership are variable and can be changed by N26 over time. 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. N26 Account pricing information: The N26 standard account is an account with no monthly fees. N26 Smart, N26 You and N26 Metal premium accounts cost €4.90/month, €9.90/month and €16.90/month respectively. Risks The N26 Instant Savings Account is a non regulated savings account of N26 Bank AG. The offer is provided under German law, which means that German law applies. Risk of bankruptcy: Your savings are protected up to €100,000 by the German Deposit Guarantee Scheme. If there is a risk of bankruptcy or N26 going bankrupt, you could potentially lose any deposits you have over 100,000 euros, or their amount could be reduced or converted into shares. Risk of inflation: The N26 Instant Savings account is also subject to inflation risk, where an increase in prices can reduce your purchasing power. Taxes The N26 Instant Savings account is provided under German law. No withholding tax is being collected. The declaration and payment of taxes in Belgium should be taken care of by the customer, following Belgian regulations. In theory, interest income on the N26 savings account earned should be included in the tax declaration and generally taxed at a rate of 30% but the user should review their specific case with a tax advisor. Withholding taxes may apply for customers who are residents of Germany, in which case N26 will withhold taxes on paid interest.
*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.
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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.
Open an account

    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. We currently operate in 24 markets worldwide and have over 8 million customers.

    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 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.

    To open an N26 account, you must be over 18 years old and reside in Belgium. You also need to have a compatible smartphone. You’ll be asked to provide a valid form of ID as well as valid proof of residence.

    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 show 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 N26 Standard 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 open your mobile N26 account online in minutes from your phone or the N26 website — no paperwork or waiting times. Best of all: Once your N26 bank account is active, you can start using it right away with your virtual card. You don't have to wait for your physical card to arrive.

    As soon as you open your N26 account, you will get a german IBAN, starting with "DE".

    To view your N26 IBAN in the N26 mobile app, tap your your initials in the top right corner of the 'Home' screen. From there, you can easily copy and paste your IBAN and share it.