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.
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.
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.
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.
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
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.
FAQ
- 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?