The free bank account for day-to-day life
Earning interest on your savings
A virtual Mastercard for all your transactions
Want an N26 Mastercard for your regular wallet? Request a physical debit card at any time, directly from your N26 app, and only pay the €10 delivery fee.
Your free, easy-to-access bank account — with 24/7 security
Real-time notifications
Track activity in your account. Get instant push notifications when money enters or leaves your account — including card payments, withdrawals, transfers, and more.
Personalized settings
Set your PIN code and payment limits easily in the N26 app. Authorize or block online payments, and lock and unlock your virtual card.
3D Secure
Enjoy peace of mind and automatic protection for your online purchases from Mastercard 3D Secure (3DS), an advanced 2-factor authentication process.
Deposit protection
N26 has a full German banking license and follows all European financial regulations. This means your deposits are protected up to €100,000, and we keep your data confidential.
Premium banking with N26 Metal
Customer Support in your language
Travel the world with one eSIM
N26 Smart — your money, your way
Get even smarter about your spending and saving — go premium with N26 Smart. Create up to 10 Spaces sub-accounts to help you spend and save with confidence. Choose a color for your Mastercard, enjoy even more free ATM withdrawals every month, and get access to our direct hotline in case you need support.
Find the plan that fits your life
Want a free bank account that's easy to access? Or a premium package with additional insurance, features, and benefits? Whatever your lifestyle, N26 offers a bank account that's right for you. Sign up today in minutes, right from your smartphone.*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.