Compare N26 bank accounts in Belgium

Find the perfect plan for you

N26 Standard

The free digital bank account

The N26 virtual card.

€0.00/Month

N26 Smart

The bank account with tools for spending and saving

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Teal.
N26 You card, Ash.

€4.90/Month

POPULAR

N26 You

The bank account for travel and everyday needs

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Teal.
N26 You card, Ash.

€9.90/Month

N26 Metal

The premium account with perks and a metal card

N26 Metal - Charcoal Black.
Quartz Rose - N26 Metal Card.
N26 Metal - Slate Grey.

€16.90/Month

Physical card
Virtual card
Contactless payments
Mobile payments
Extra card (optional)
Annual Gross Nominal Rate
Deposit limit
Unlimited
Unlimited
Unlimited
Unlimited
N26 Crypto
Cashback
Business accounts only
Business accounts only
Business accounts only
Business accounts only
100% mobile banking
Free payments worldwide
Free domestic ATM withdrawals
3
5
5
8
Free ATM withdrawals abroad
Travel delays
Baggage delay
Baggage coverage
Emergencies while traveling
Trip cancellation
Trip interruption
Personal liability insurance
Mobile phone coverage
Purchase protection
Transaction list
Business accounts only
Business accounts only
Business accounts only
Business accounts only
Insights on spending
Spaces sub-accounts
10
10
10
Shared Spaces***
Round-ups
Premium partner offers
Premium partner offers
Unique experiences
Chatbot support
Phone support
In-app chat
Two-factor authentication
3D Secure payments
Deposit protection

N26 Standard

The free digital bank account

The N26 virtual card.

€0.00/Month

N26 Smart

The bank account with tools for spending and saving

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Teal.
N26 You card, Ash.

€4.90/Month

N26 You

The bank account for travel and everyday needs

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Teal.
N26 You card, Ash.

€9.90/Month

N26 Metal

The premium account with perks and a metal card

N26 Metal - Charcoal Black.
Quartz Rose - N26 Metal Card.
N26 Metal - Slate Grey.

€16.90/Month

Find the perfect plan for your business

N26 Standard

The free* digital business bank account with cashback for freelancers

N26 Business Card.

€0.00/Month

POPULAR

N26 Smart

The business bank account with cashback and financial tools for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€4.90/Month

N26 You

The business bank account with cashback and travel perks for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€9.90/Month

N26 Metal

The premium bank account with cashback and a metal card for freelancers

Black N26 Business Metal card.
Pink N26 Business Metal card.
Gray N26 Business Metal card.

€16.90/Month

Physical card
Virtual card
Contactless payments
Mobile payments
Extra card (optional)
Cashback on purchases
0.1%
0.1%
0.1%
0.5%
100% mobile banking
Free payments worldwide
Free domestic ATM withdrawals
3
5
5
8
Free ATM withdrawals abroad
Travel delays
Baggage delay
Baggage coverage
Emergencies while traveling
Trip cancellation
Trip interruption
Personal liability insurance
Mobile phone coverage
Purchase protection
Transaction list
Insights on spending
Spaces sub-accounts
10
10
10
Shared Spaces
Round-ups
Premium partner offers
Unique experiences
Chatbot support
In-app chat
Phone support
Deposit protection
3D Secure payments
Two-factor authentication

N26 Standard

The free* digital business bank account with cashback for freelancers

N26 Business Card.

€0.00/Month

N26 Smart

The business bank account with cashback and financial tools for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€4.90/Month

N26 You

The business bank account with cashback and travel perks for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€9.90/Month

N26 Metal

The premium bank account with cashback and a metal card for freelancers

Black N26 Business Metal card.
Pink N26 Business Metal card.
Gray N26 Business Metal card.

€16.90/Month

Services and Fees for everyone who registers with an address in France.
For our detailed price list, view PDF here

These insurances are only available for customers who opened an account after November 13, 2019 or renewed their account after January 10, 2020. For more information on Allianz Assistance insurance coverage, please see the General Conditions of the N26 You, Business You or N26 Metal account.

*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.

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

***Currently, the Shared Spaces feature is only available to N26 account holders with a German IBAN (customers in a business relationship with N26 Bank AG).

****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.

Personal Bank Account FAQ

What documents do I need to open a bank account?

In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved—just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.

How much does it cost to open a bank account?

The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, the N26 You bank account costs €9.90 per month and the N26 Metal account is available for €16.90 per month, with a 12-month commitment period. To open an N26 account, no deposit or minimum income is required.

How old do you have to be to open an N26 bank account?

You’ll need to be at least 18 years old to open a bank account with N26

How long does it take to open a bank account?

Opening a bank account with N26 takes minutes. During this time, we will ask you for some basic information and verify your identity.

Can I have a N26 personal bank account and a N26 Business bank account?

No. Right now, you can only have one bank account with N26. If you already have an N26 Personal account for your personal finances and wish to open a Business account, you’ll have to close your personal Standard account first. Then you can open your business account.

Which are the N26 foreign exchange rates for paying abroad?

N26 doesn’t charge exchange markups. So you get what your money is worth, without conversion fees. We use the real exchange rate, provided by Mastercard.