FAQ Page

Question 1

What do I need to open my N26 Smart account?

Accepted Answer

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.](https://support.n26.com/en-de/account-and-personal-details/opening-an-account/how-to-open-my-n26-account)

Question 2

How do I open my N26 Smart account?

Accepted Answer

To open your N26 Smart bank account, you must [meet the eligibility criteria](https://support.n26.com/en-de/account-and-personal-details/opening-an-account/how-to-open-my-n26-account). 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](https://support.n26.com/en-de/account-and-personal-details/opening-an-account/how-to-open-my-n26-account).

Question 3

What are the benefits of an N26 Smart account?

Accepted Answer

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.

Question 4

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

Accepted Answer

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.

Question 5

Is N26 Smart a euro account?

Accepted Answer

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.

Question 6

Can I withdraw euros for free?

Accepted Answer

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.

The euro account that gives you more control

Your colorful Mastercard, accepted worldwide

Saving made easy with Spaces

Master your spending with Statistics

Treat yourself with N26 Perks

Simple. Fast. 100% flexible.

Secure online banking

Protected up to €100,000

3D Secure

Instant push notifications

Biometric identification

Customer Support for premium customers

Spend and save with confidence

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