N26 Smart

The euro account that gives you more control

Discover N26 Smart, the bank account with powerful features to help you spend and save with confidence. Sign up in minutes right from your smartphone—no paperwork required.

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hand holding a N26 debit card with the words "Spend" and "Save" in the background.

Your colorful Mastercard, accepted worldwide

Compliment your style with a colorful Mastercard debit card, available in 5 stunning colors—Ocean, Sand, Rhubarb, Aqua or Slate. Enjoy 5 free ATM withdrawals each month, plus zero foreign transaction fees when you pay in another currency. Simply add your new N26 Mastercard to Apple Pay or Google Pay, and start spending before your physical card arrives.

Saving made easy with Spaces

Reach your financial goals with 10 Spaces sub-accounts that sit alongside your main account. Give each space a name, set saving targets, and create Rules to automatically move money over. Want to save and spend together with others? It’s easy—use Shared Spaces to invite up to 10 other N26 customers. To save up even faster, round-up your card purchases to the nearest euro, and stash away the difference to your chosen space.

Discover Spaces
image of two N26 subaccount showing the "main account" and "Back to college" spaces to budget money.

Master your spending with Statistics

Ready for a simple and quick view of your finances? Meet N26 Insights, the intelligent feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on ‘Shopping,’ ‘Bars & Restaurants,’ ‘Groceries,’ and more—all it takes is a quick glance to stay on track with your monthly budget. Plus, with a clear overview of your upcoming regular payments, it’s never been easier to plan ahead and stay on top of your finances.

Treat yourself with N26 Perks

Get your N26 Smart euro account, and unlock access to special offers from world-class partner brands. With a series of ever-changing deals from the likes of Yoox, TIDAL and GetYourGuide, benefit from generous discounts all year round.

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Simple. Fast. 100% flexible.

Forget waiting in line at a bank, or inconvenient branch opening hours. N26 Smart offers 100% mobile banking so you can manage your money from anywhere, at any time. Access your euro account from the N26 app on your smartphone or the WebApp on desktop, 24/7. No paperwork, no waiting, no hassle.

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Secure online banking

Protected up to €100,000

With N26’s German banking license, your money is fully protected up to €100,000 by the German Deposit Protection Scheme.

3D Secure

Safely shop online thanks to Mastercard 3D Secure—the 2-factor authentication step that adds an extra layer of protection.

Instant push notifications

Immediately receive alerts on your smartphone after each transaction. With N26 Smart, you’ll always know what’s coming in and out of your bank account.

Biometric identification

Securely log in to your bank account with fingerprint identification or FaceID, so no one can access your bank account unless it’s really you.

Customer Support for premium customers

Whether it’s a question or a technical issue, our N26 Customer Support specialists are always happy to help out in German, English, French, Italian or Spanish. Simply contact us via the in-app chat, or reach us on our hotline as a premium N26 customer—we’re there for you 7 days a week. You can also visit the N26 Support Center to find helpful tips at any time.

Visit our Support Center
N26 You card, Petrol.

Spend and save with confidence

Discover premium banking with innovative features that help you to spend and save with confidence—for only €4.90 a month! Open your N26 Smart bank account in just a few minutes, directly from your smartphone, or via the N26 WebApp on desktop. No paperwork required.


What do I need to open my N26 Smart account?

Simply open your N26 Smart bank account via the N26 app on your smartphone or using the N26 WebApp on desktop. You must meet the following criteria:

  • You’re minimum 18 years of age,
  • You’re a resident of one of the supported countries,
  • You have a compatible smartphone,
  • You don’t have an account with N26 yet,
  • You have a supported ID document on hand, which is valid in your country of residence.

Find more information here.

How do I open my N26 Smart account?

To open your N26 Smart bank account, you must meet the eligibility criteria. If you do, you can simply register via the N26 WebApp on desktop or the N26 app on your smartphone. It only takes 8 minutes to open a bank account, and there’s no paperwork involved. You may start using your account right away once your identity is verified.

For more information on how to open your N26 Smart account, and a list of your required documents, visit our Support Center.

What are the benefits of an N26 Smart account?

N26 Smart is a premium bank account that comes with an N26 Mastercard debit card, 5 free ATM withdrawals per month in Germany, and no foreign transaction fees. Furthermore, as an N26 Smart customer you’ll have access to exclusive partner perks and innovative banking features that make saving and managing your finances easier. Thanks to Statistics, you’ll also always have a detailed overview of all your spending. You can create up to 10 sub-accounts with Spaces, including Shared Spaces to save and spend with others. You can find the full details in the N26 Smart Terms & Conditions.

What can I use Spaces (sub-accounts) for?

Spaces are sub-accounts that can be created in addition to your main account. You can create up to 10 Spaces, and move money between your main and sub-accounts with a simple drag-and-drop motion, as often as you like. Use your Space to organize your savings according to each of your financial goals, or to just put some money aside—the choice is yours.

As part of your 10 Spaces sub-accounts, you may also use the Shared Spaces functionality to invite up to 10 other N26 customers to a Space you own. This makes managing shared expenses or reaching joint savings goals a walk in the park. N26 Smart customers can also enable Round-up rules to round-up your card purchases to the nearest euro, and automatically save the difference in a chosen Space. Saving is easier with N26 Smart.

Is N26 Smart a euro account?

Yes. The N26 Smart account is a euro account. This means that you’ll see your balance in euros. However, you can make payments in other currencies without having to worry about fees.

Can I withdraw euros for free?

As an N26 Smart customer, you can withdraw money at ATMs for free up to 5 times a month in Switzerland and the euro zone.