N26 Standard
The free bank account for day-to-day life
The free bank account from N26 gives you a better way to manage your money. Sign up in minutes from your smartphone — with no minimum income or opening deposit — and experience easy, intuitive mobile banking that works.
Earning interest on your savings
No deposit limits, simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.
N26 Standard customers get 2.8%* p.a. interest on their savings. Prefer 4% p.a.? Choose N26 Metal.
More about the Instant Savings account
A virtual Mastercard for all your transactions
Your free N26 Standard bank account includes a virtual N26 Mastercard that's activated as soon as you open your account. Pay in-store, online, and in-app with your mobile wallet using Google Pay or Apple Pay. Plus, get 3 free withdrawals month at ATMS in the eurozone.
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.
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.
Discover N26 Smart
Premium banking with N26 Metal
Jump into the future of banking with N26 Metal, our premium account. Get a stylish metal card, expanded insurance package, special partner deals, and more.
Upgrade to N26 Metal
Customer Support in your language
Need extra support? Our experts speak English, French, Spanish, Italian, or German. Contact us 24/7 via the chat in your N26 app, or find FAQs and answers in our Customer Support Center.
Visit our Support Center
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.*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.