N26 Smart

The bank account that puts you in the driver's seat

Want more control over your money? Our premium bank account comes with intuitive features that make it simple to budget, spend, and save. Manage your account from your smartphone, anywhere and anytime — for just €4.90 a month.

Open N26 Smart account

Image of a mobile phone showing a subaccount on the screen and a black debit card in the side.

Your colorful N26 card — for at home or on the go

Choose from five different colors for your N26 Mastercard — Ocean, Rhubarb, Sand, Aqua, or Slate. Enjoy 5 free withdrawals in the eurozone per month, and make payments in foreign currencies without any extra fees. Plus, pay contactless or online with your virtual card, even before your physical card arrives.

hand holding a N26 debit card with the words "Spend" and "Save" in the background.

Earning interest on your savings

No deposit limits, straightforward conditions, and complete flexibility. Discover N26 Instant Savings, the accessible savings account available in the N26 app at no additional cost. N26 Smart customers enjoy 2.8%* p.a. interest on their savings. Rather get 4% p.a.? Upgrade to N26 Metal.

More about the Instant Savings account

Woman dressed in blue, sitting, and holding her cell phone with the N26 application open. In the foreground, image of the 2.8% p.a. interest rate, balance in the main account, and in the savings account.

Save, spend, and budget with Spaces sub-accounts

With N26 Spaces, it's never been simpler to organize your money. Your Smart account comes with up to 10 Spaces — separate sub-accounts that you can use for saving or setting money aside. Create a Space, give it a name, and set your target amount — that’s it! Plus, the Rounds-Up feature lets you round-up card transactions to the nearest euro, then automatically puts the spare change into a Space of your choice.

image of two N26 subaccount showing the "main account" and "Back to college" spaces to budget money.

Master your spending with Insights

Ready to get a bird's eye view of your finances? Enter N26 Insights, the feature that automatically categorizes your transactions as they happen. Instantly see if you've had a spike in spending on ‘Shopping,’ ‘Bars & Restaurants,’ ‘Groceries,’ and more — a quick look is all it takes for you to stay on top of your finances. Plus, with an easy overview of your scheduled regular payments, it’s simpler than ever to plan ahead and stay on track with your monthly budget.

Exclusive partner offers

Treat yourself to a few perks, courtesy of the N26 Smart premium bank account. Explore offers and deals from our partner brands, directly in your N26 app — they're exclusive to N26 customers and changing all the time.

woman pointing a sign in a magazine page.

Intuitive, beautifully simple banking

We think your bank's app should be as easy to use and nice to look at as any of your other favorite apps. That's why we've upgraded your banking experience, with modern design and streamlined money management tools — but without the hidden fees or piles of paperwork. And even better, it's all accessible from your smartphone or the desktop WebApp.

image showing four images of N26 features.

Your security takes top priority

3D Secure

Your online Mastercard purchases have an extra layer of protection thanks to 3D Secure technology.

Real-time notifications

Get push notifications whenever money enters or leaves your account, so nothing can sneak past you.

Biometric identification

Use FaceID or fingerprint identification when logging in to your account for even more security.

Deposit protection

N26 is a fully licensed bank, so your money is secured by the German Deposit Protection Fund, up to €100,000.

Here when you need us

Whether you need extra support or have a quick question, our customer service experts are there to help find the answers. Check out our Support Center for all kinds of frequently asked questions and articles to help you, or get in touch through our in-app chat. Need to speak to a human? No problem — call our telephone hotline.

Visit our Support Center

Budgeting made simple with N26 Smart

Open your premium account in minutes for just €4.90 per month with a one-year subscription — and start banking your way.

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*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.