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.
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 3 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 non-regulated and accessible savings account available in the N26 app at no additional cost. 
More about the Instant Savings account
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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
N26 You card, Teal.
N26 You card, Ash.
N26 You card, Rhubarb.
N26 You card, Wheat.
N26 You card, Petrol.

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.

Travel the world with one eSIM

Set up your travel eSIM once and get affordable data for 100+ destinations.
Get travel eSIM
A hand holds a smartphone displaying a list of countries for eSIM data plans, with callouts for Turkey, Japan, and USA showing prices.

  • You can open an N26 Smart bank account via the N26 app on your smartphone or the web app. You’re eligible if:
    • You’re at least 18 years old
    • You’re a resident of a supported country
    • You have a compatible smartphone
    • You don’t already have an account with us
    • You have a supported ID document, applicable to the country you’re resident in. Find further information here.

  • To open an N26 Smart account, you must meet our eligibility criteria. If you do, simply register on our website, or by downloading the N26 app onto a compatible smartphone. Opening a bank account takes only minutes and is done without paperwork. Once you’ve verified your identity, your bank account will be ready to use. For more information on opening an N26 Smart bank account, as well as the documents that you need, visit our Support Center.

  • N26 Smart is a premium membership bank account that comes with a colorful debit card and intelligent money management tools. Get Statistics to track your spending, plus up to 10 Spaces sub-accounts, including Shared Spaces to save together with others. You’ll also get free ATM withdrawals, free payments worldwide, and access to exclusive partner offers. See our T&Cs for full details and availability.

  • An N26 Smart bank account costs €4.90 per month and is a 1-year subscription.

*Eligible spending: Detailed T&Cs for customers who open an account between July 17 and October 15 can be found here: https://n26.com/hb-tc. Detailed T&Cs for customers who sign up before July 17 can be found here: https://n26.com/hb-ex.

For new customers: Eligible transactions include e-commerce transactions classified under travel-related Merchant Category Codes (MCCs) by the merchant’s payment processor. N26 does not control these codes, and some travel-related merchants may not qualify. Also included are point-of-sale, in-person transactions outside the customer’s country of residence during the first 30 days after signing up for the promotion. New customers have until October 15, 2025, to open an N26 Go or N26 Metal account and until October 31, 2025, to sign up for the promotion. Cashback (1%) will be credited to your main account 30 days after the promotion ends.After the initial 30 days, new N26 Go and N26 Metal customers will automatically earn 1% cashback on point-of-sale, in-person transactions made outside the European Economic Area (EEA), UK, and Switzerland for up to 12 months. Cashback will be credited to your main account every 30 days. N26 reserves the right to end the cashback at any time with a 14-day notice.

For existing customers who signed up before July 17: This offer is exclusive to N26 Go and N26 Metal customers. Customers who downgrade will lose the cashback offer. N26 Go and N26 Metal customers will earn 1% cashback on point-of-sale, in-person transactions made outside the European Economic Area, UK, and Switzerland for up to 12 months. Cashback will be credited to your main account every 30 days. N26 reserves the right to end the cashback at any time with a 14-day notice.

For new and existing N26 Business customers: The 1% cashback on the eligible transactions mentioned above comes in addition to the regular purchase cashback of 0.1% for N26 Go Business and 0.5% for N26 Metal Business. Cashback will be credited to your main account every 30 days. N26 reserves the right to end the cashback at any time with a 14-day notice.

**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.