Bank for free with no hidden fees

Open your account with no paperwork. Get a free virtual card and monthly ATM withdrawals*.Open free bank account
A woman in a beige trench coat holding a bouquet of pink flowers and a smartphone, walking past a flower shop.

Money made simple

Organize your money in 10 Spaces sub-accounts and add a dedicated IBAN or virtual card to pay directly from a Space. Included with our premium plans.
Explore plans
A financial overview showing a main account with €2,300, a flights category with €1,450, and a groceries category with €260, illustrated with icons.

Bank better together

Get a free joint account with a dedicated IBAN and spending insights to simplify your shared finances.
Open a joint account
A couple lying on grass with their dog, holding a smartphone, and a financial display showing a joint account balance of €326 labeled "Maya & Marco.".

Security you can trust

As a fully-licensed German bank** built on the latest technology, we use advanced security measures to keep your money safe.
Learn about security
A person holding a smartphone displaying a locked digital card interface, enclosed within a shield symbol for security.

Get 24/7 support

Message our chatbot 24/7, or talk with Customer Support daily from 07:00–23:00 in English, German, French, Italian, or Spanish.
A woman lying on a bed holding a credit card in one hand and a smartphone in the other, with a chatbot interface displayed next to her saying, "Hi Sam, how can I help?".

Open an account in minutes

Open your N26 account from your desktop or smartphone in just a few taps.
Open free bank account

*No account management fee for N26 Standard Account. For all other account plans, fees apply. See List of Prices and Services for current fees. **The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.

FAQ

    Opening an N26 account is fast, digital, and hassle-free. All plans include zero hidden fees, real-time spending alerts, easy budgeting tools, and free ATM withdrawals in Switzerland and the Eurozone. Top-tier security keeps your money safe, and you can manage your banking, savings, and investments right from your phone.

    N26 has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customer's online payments is always guaranteed.

    You can open an account online in minutes from your phone or the N26 web app — no paperwork or waiting times. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.

    Yes! All N26 cards let you withdraw money at foreign ATMs. N26 Smart and Standard users only have to pay 1.7% conversion fee.

    N26 Standard has no monthly fees and no fees for everyday transactions. Depending on your plan, you’ll get anywhere from 2 to 8 free monthly ATM withdrawals. Some plans have monthly costs and come with additional travel and insurance benefits.