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.
Image of a mobile phone showing a subaccount on the screen and a black debit card in the side with Forbes best bank logo.

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

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.
woman pointing a sign in a magazine page.

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.
image showing four images of N26 features.

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, Teal
N26 You card, Ash
N26 You card, Rhubarb
N26 You card, Wheat
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?
  • How do I open my N26 Smart account?
  • What are the benefits of an N26 Smart account?
  • What can I use Spaces (sub-accounts) for?
  • Is N26 Smart a euro account?
  • Can I withdraw euros for free?