• Standard

    A graphic close-up of the front of a silver N26 Debit Mastercard.
    Bank for free

    Smart

    A graphic close-up of the front of a pink N26 Mastercard.
    Bank with more control
    Compare personal plans

    Business Standard

    A graphic close-up of the front of a silver N26 Business Standard card.
    Freelancers bank for free

    Business Smart

    A graphic close-up of the front of a pink N26 Business card.
    Manage your business with more control
    Compare business plans
  • Highlights
    CRST-18128_PulseSoft_Banking_Nav-highlight_140x140.
    Banking featuresYour money made simple
    Features
    Joint accountMastercardDigital wallets
  • Features
    Spaces
  • Highlights
    A hand holds a smartphone on a beach, displaying a digital pink N26 Mastercard on the screen.
    Travel benefits Borderless banking
    A woman with a backpack holds a smartphone while standing on a mountain trail overlooking a city and a peak.
    Travel eSIMData in 100+ countries
    Features
    Exchanging currencyForeign transaction fees
Log in
Log in
Open bank account

Company

  • About us

  • Leadership Team

  • Careers

  • Press

Help

  • Customer Support

  • Sitemap

LEARN

  • Blog

More

  • Security

  • Refer a friend

  • Expats

© N26 SE 2026
Legal DocumentsPrivacy PolicyCookie PolicyImprintUpdate cookie settings
CRST-18128_PulseSoft_Banking_LP1-Mobile-834x1194.

Bank for free with no hidden fees

Open your account with no paperwork. Get a free virtual card and monthly ATM withdrawals*.
Open 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
CRST-18128_PulseSoft_Banking_LP2-Mobile-754x533.

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.
Customer Support
CRST-18128_PulseSoft_Banking_CTA-Mobile-754x533.

Switch banks in minutes

Open your N26 account and move your recurring payments in just a few taps.
Open an 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.