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
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
Bank better together
Get a free joint account with a dedicated IBAN and spending insights to simplify your shared finances.
Open a joint account
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
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.
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. N26 Smart costs €4.90 a month and comes with a physical N26 Mastercard debit card, up to six virtual cards, and three free domestic ATM withdrawals in euros per month.