Find the plan you’ll love
Standard
The free plan for your everyday banking needs.Free
- Free virtual debit card
- 2 free ATM withdrawals in euros
Smart
The plan with intelligent features that help organize your money.€4.90/month
Everything in Standard, plus
- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
BEST FOR TRAVEL
Go
The plan for banking, saving, and investing — at home and on the go.€9.90/month
Everything in Smart, plus
- Free ATM withdrawals outside the eurozone
- 1% cashback while traveling1
- Travel insurance
Metal
The exclusive plan that’s made for saving and investing.€16.90/month
Everything in Go, plus
- 2% annual interest on savings2
- Metal debit card
- Mobile phone insurance and purchase protection
- Free airport lounge pass
FREE ACCOUNT
Standard
The free plan for your everyday banking needs.Free
- Free virtual debit card
- 2 free ATM withdrawals in euros
ENJOY MORE CONTROL
Smart
The plan with intelligent features that help organize your money.€4.90/month
Everything in Standard, plus
- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
BEST FOR TRAVEL
Go
The plan for banking, saving, and investing — at home and on the go.€9.90/month
Everything in Smart, plus
- Free ATM withdrawals outside the eurozone
- 1% cashback while traveling1
- Travel insurance
OUR TOP RATES
Metal
The exclusive plan that’s made for saving and investing.€16.90/month
Everything in Go, plus
- 2% annual interest on savings2
- Metal debit card
- Mobile phone insurance and purchase protection
- Free airport lounge pass
Compare every detail
Virtual card
First one free
6
6
6
Virtual card
First one free
6
Physical card
Physical card
Spaces sub-accounts
10
10
10
Spaces sub-accounts
10
Shared Spaces 3
Shared Spaces 3
Joint account
Joint account
Free ATM withdrawals in euros
2 per month
3 per month
5 per month
8 per month
Free ATM withdrawals in euros
2 per month
5 per month
Budgeting automations
Budgeting automations
Savings interest rate4
Savings interest rate4
Stocks and ETFs5
Trade for free
Trade for free
Trade for free
Trade for free
Stocks and ETFs5
Trade for free
Trade for free
Ready-made funds
0.55% management fee
0.55% management fee
0.39% management fee
0.29% management fee
Ready-made funds
0.55% management fee
0.39% management fee
Crypto6
Lower fees — 1% for Bitcoin, 2% for other coins5
Crypto6
Investment plans
Investment plans
Travel cashback1
Travel cashback1
Worldwide card payments
Free
Free
Free
Free
Worldwide card payments
Free
Free
Free ATM withdrawals outside the eurozone
Free
Free
Free
Free
Free ATM withdrawals outside the eurozone
Free
Free
Airport lounge access7
€33 per visit
€33 per visit
First annual visit €15,
then €30
First annual visit free, then €30
Airport lounge access7
€33 per visit
First annual visit €15,
then €30
Travel eSIM8
Travel eSIM8
Travel and bag delays9
Up to €500
Up to €500
Travel and bag delays9
Up to €500
Baggage cover9
Up to €2,000
Up to €2,000
Baggage cover9
Up to €2,000
Emergency medical and dental9
Up to €1 million for medical and €250 for dental
Up to €1 million for medical and €250 for dental
Emergency medical and dental9
Up to €1 million for medical and €250 for dental
Emergency transport9
Up to €2,300
Up to €2,300
Emergency transport9
Up to €2,300
Trip interruption9
Up to €10,000
Up to €10,000
Trip interruption9
Up to €10,000
Trip cancellations9
Up to €10,000
Up to €10,000
Trip cancellations9
Up to €10,000
Personal liability9
Up to €500,000
Up to €500,000
Personal liability9
Up to €500,000
Mobile phone insurance10
Mobile phone insurance10
Purchase protection10
Purchase protection10
Premium partner offers
+15
+20
Premium partner offers
+15
24/7 chat support
24/7 chat support
Phone support
Phone support
Deposit protection
Up to €100,000
Up to €100,000
Up to €100,000
Up to €100,000
Deposit protection
Up to €100,000
Up to €100,000
Start banking better
Open your N26 account and start enjoying beautifully simple banking.
1 This promotion is applicable for N26 Go and N26 Metal customers. Participate in the promotion by clicking on the in-app message, email, or push notification and selecting ‘Enrol’ on the in-app landing page. From the moment of successful enrollment, you will receive 1% cashback for up to 12 months on qualifying transactions made with your N26 Mastercard outside the European Economic Area (EEA), Switzerland, and the United Kingdom. The European Economic Area (EEA) includes all EU member states as well as Iceland, Liechtenstein, and Norway. See full T&Cs here: https://n26.com/hb-ex
2 Valid only for new customers who open a new N26 Metal account from 19/02/2025 onwards. The gross interest rate for the N26 Instant Savings account corresponds to the current European Central Bank deposit facility rate (2% starting on 11/06/2025) and is subject to change by N26 any time. Terms and conditions apply. To benefit from this offer, you’ll need to open an N26 bank account. After that, you may open a separate N26 Instant Savings account to earn interest alongside everyday banking. At N26, each eligible customer can have one Instant Savings account.
Important information about the N26 Instant Savings account for customers residing in Belgium.
Risks
The N26 Instant Savings Account is a non regulated savings account of N26 Bank SE. 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. Costs
The opening and closing of an N26 Instant Savings account is free of charge. There are also no costs for managing this savings account. N26 Instant Savings accounts are available for customers who have a free N26 Standard or N26 Business Standard account, but also for customers who have premium N26 accounts: N26 Smart or N26 Business Smart, N26 Go or N26 Go, and N26 Metal or N26 Business Metal account, which cost €4.90/month, €9.90/month, and €16.90/month, respectively.The price list for N26 is available here. 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. Duration of the account
The duration of the N26 Instant Savings account is unlimited. Important documents
Please review the following documents before you open an N26 Instant Savings account. You can find the pre-contractual information for N26 Instant Savings accounts here. The N26 Instant Savings account's Terms and Conditions are available for reference on this page. No key information documents are available for unregulated savings accounts. Dispute resolution
If you need assistance with your account, have questions about card payments, need to update your information, or have any other inquiries, our Customer Service agents are available daily and ready to help resolve your issues or concerns. For more information please visit our Support Center: How to Contact N26? If you are dissatisfied and believe that our customer service could not help you sufficiently with your issue or concern, find all the information you need to file a complaint here. 3 Currently, the Shared Spaces feature is only available to N26 account holders with a German IBAN (customers in a business relationship with N26 Bank SE). 4 For existing customers: from 11/06/2025 onwards, grow your savings with 0.30% gross interest p.a. for Standard and Smart (0.21% net), 0.50% p.a. for N26 Go (0.35% net), and 1.50% p.a. for Metal (1.05% net). 5 These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes. The numbers of available Stocks and ETFs can vary per market. Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements. Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. Service of reception and transmission of orders of digital assets provided by N26 Bank AG (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 247466 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v). Learn more on https://n26.com/be-fr/crypto. 6 The N26 Metal crypto fee discounts only apply to trading amounts up to €5,000 (including fees on purchasing and excluding fees on selling crypto) per calendar month. Above this amount, standard fees apply: 1.5% on Bitcoin and 2.5% on all other coins (fees are always rounded up to the nearest full cent — to a maximum of one cent — which may lead to a slight increase of the fee percentage shown in the order preview. Deviations for special coins are possible). The fees and cryptocurrency prices shown on the N26 app for every transaction and including a possible spread are not determined by N26 but provided by Bitpanda Asset Management GmbH. N26's liability is expressly excluded for any claim or damage arising from the formation of the prices of the assets offered by Bitpanda. 7 Airport lounge passes are available for purchase in the app. 8 Purchase mobile plans in-app to enjoy affordable data in over 100 countries with your travel eSIM. 9 Exclusions and restrictions apply. For more information, please see the Allianz Assistance Insurance Product Information Sheet (Metal | Go) and Conditions for Beneficiaries (Metal | Go). You can see all information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France. 10 Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language.
The N26 Instant Savings Account is a non regulated savings account of N26 Bank SE. 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. Costs
The opening and closing of an N26 Instant Savings account is free of charge. There are also no costs for managing this savings account. N26 Instant Savings accounts are available for customers who have a free N26 Standard or N26 Business Standard account, but also for customers who have premium N26 accounts: N26 Smart or N26 Business Smart, N26 Go or N26 Go, and N26 Metal or N26 Business Metal account, which cost €4.90/month, €9.90/month, and €16.90/month, respectively.The price list for N26 is available here. 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. Duration of the account
The duration of the N26 Instant Savings account is unlimited. Important documents
Please review the following documents before you open an N26 Instant Savings account. You can find the pre-contractual information for N26 Instant Savings accounts here. The N26 Instant Savings account's Terms and Conditions are available for reference on this page. No key information documents are available for unregulated savings accounts. Dispute resolution
If you need assistance with your account, have questions about card payments, need to update your information, or have any other inquiries, our Customer Service agents are available daily and ready to help resolve your issues or concerns. For more information please visit our Support Center: How to Contact N26? If you are dissatisfied and believe that our customer service could not help you sufficiently with your issue or concern, find all the information you need to file a complaint here. 3 Currently, the Shared Spaces feature is only available to N26 account holders with a German IBAN (customers in a business relationship with N26 Bank SE). 4 For existing customers: from 11/06/2025 onwards, grow your savings with 0.30% gross interest p.a. for Standard and Smart (0.21% net), 0.50% p.a. for N26 Go (0.35% net), and 1.50% p.a. for Metal (1.05% net). 5 These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes. The numbers of available Stocks and ETFs can vary per market. Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements. Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. Service of reception and transmission of orders of digital assets provided by N26 Bank AG (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 247466 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v). Learn more on https://n26.com/be-fr/crypto. 6 The N26 Metal crypto fee discounts only apply to trading amounts up to €5,000 (including fees on purchasing and excluding fees on selling crypto) per calendar month. Above this amount, standard fees apply: 1.5% on Bitcoin and 2.5% on all other coins (fees are always rounded up to the nearest full cent — to a maximum of one cent — which may lead to a slight increase of the fee percentage shown in the order preview. Deviations for special coins are possible). The fees and cryptocurrency prices shown on the N26 app for every transaction and including a possible spread are not determined by N26 but provided by Bitpanda Asset Management GmbH. N26's liability is expressly excluded for any claim or damage arising from the formation of the prices of the assets offered by Bitpanda. 7 Airport lounge passes are available for purchase in the app. 8 Purchase mobile plans in-app to enjoy affordable data in over 100 countries with your travel eSIM. 9 Exclusions and restrictions apply. For more information, please see the Allianz Assistance Insurance Product Information Sheet (Metal | Go) and Conditions for Beneficiaries (Metal | Go). You can see all information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France. 10 Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language.
FAQ
To open an N26 account, download the N26 app. Sign up by confirming your email address, verifying your ID directly in the app, and pairing your smartphone with your N26 account.
To be eligible for an N26 account you must be at least 18 years old, living in one of these countries, and you must own a compatible smartphone.
The standard N26 bank account is free — you won’t pay any opening or maintenance fees. No deposit or minimum income is required to open any N26 account.
The N26 Smart account costs €4.90 per month, N26 Go costs €9.90 per month, and N26 Metal costs €16.90 per month.
You must be 18 or over to open a bank account with N26.
Your virtual debit card will be available as soon as you have successfully opened your N26 account. Add it to Google Pay or Apple Pay and start spending immediately.
If you ordered a physical debit card, this will arrive via post. The duration depends on whether you selected standard or express delivery, and can take longer in some locations, up to 14 days.
Yes. Give your N26 account IBAN to your employer so they can pay you directly to your account.