N26 Standard

The everyday free* euro bank account from N26

The N26 euro bank account comes with everything you need to spend, save and keep track of your money in Switzerland and the Eurozone, all under one app. Manage your account from your smartphone, and start making mobile payments before your physical card arrives.

An elevated hand holding a transparent N26 Standard card.

*Up to €50,000 balance, after which a deposit fee of 0.5% p.a. may apply. Please find the Terms & Conditions here.

Secure online banking features

3D Secure

3D Secure (3DS) from Mastercard SecureCode is an extra layer of security that helps prevent fraud when making payments online with your N26 euro account.

Receive push-notifications with your account activity

Stay up to date. Get a push notification immediately after all account activity, including card and mobile payments, ATM withdrawals, direct debits and transfers.

Lost your N26 Mastercard? Lock it straight away.

Ever lost a bank card and found it again the moment you cancel it? With N26 you can easily lock your card inside the app, reorder it if need be at the tap of a button, or simply unlock again.

Secure fingerprint login

Instead of typing in your password every time you want to open your N26 account, your secure fingerprint login does the hard work for you.

Smartphone with the N26 Spaces open on it.

Space for your goals

Spaces is the N26 feature that lets you create sub-accounts for organizing your euro bank account or putting money aside in real time. Create a space, set your savings goal and see how close you are to reaching it. You're now able to share your space with friends and family! Shared Spaces is a new way to share money and goals with up to 10 people.

Shared Spaces

Headache-free instant payments

After signing up, instantly top up through a debit card to get money into your account. Make bank transfers for free using N26 MoneyBeam in real-time – send, receive or request money from your contacts listed in the N26 app, or to new ones with just an email or phone number.

Need to get funds into your account straight away? Avoid the worry, and receive incoming payments with SEPA Instant Credit Transfer in seconds.

N26 Bank Account Moneybeam example transaction.

Automatic categorization of your spending

Not sure where all your money goes? Your bank account uses artificial intelligence to automatically categorize your spending and shows you in the app.

N26 Bank Account categorising transactions for statistics.

Banking on the big screen

First, sign up to N26 using the mobile app. Then, you can use the web application to view your account from a desktop or other device.

Print your transactions list

We're mobile, but for easier tax returns and invoicing, export and download your transaction list as CSV or PDF files for easy printing.

We are here for you—in 5 languages

Our N26 Support team is available for you in 5 languages via email or chat. Whenever you have a question or encounter a problem, they’re always on-hand to help.

N26 Bank Account Customer Service Chat in App.
Transparent N26 Standard card.

Get your free euro account in Switzerland

Open a new N26 euro bank account from your phone or computer in an easy, paperless signup process.


What is the N26 euro bank account for Switzerland?

The N26 euro bank account is a free mobile account for everyone living in Switzerland who would like to have an account in the euro currency. With N26, a German bank, you'll receive a German IBAN, a free Mastercard Debit and many innovative functions. Open it within a few minutes directly from your smartphone.

How can I open the free euro account in Switzerland?

Opening an account with N26 only takes a few minutes and is completely digital. You'll only need your smartphone and one of our accepted IDs. Go to our support center for more information.

How do I top up my N26 account?

There are three options to top up your N26 euro bank account.

  • Transfer from another euro account with SEPA (free)
  • Transfer from a Swiss account with SEPA (your Swiss bank could charge you fees and you are subject to their exchange rate)
  • Using our partner, Transferwise, via their website

We would always recommend using Transferwise for any transfers from other currencies onto your euro account. They will offer you the best exchange rate and a transparent process.

Where can I use my N26 Mastercard to withdraw money?

If you'd like to withdraw cash with your N26 Mastercard, there are several options:

  1. Withdrawals in Switzerland in euros are free
  2. Withdrawals in Switzerland in Swiss Francs are subject to 1,7 % foreign exchange fees
  3. Withdrawals in the Eurozone in euros are free 5 times per month according to our Fair Use Policy. Find more information on this in our support center.
  4. Withdrawals worldwide in other currencies are subject to 1,7 % foreign exchange fees

How much does the N26 euro account cost?

The N26 euro bank account is free of charge, we'll never charge you any hidden fees. All transactions with your N26 Mastercard Debit are also free of charge, regardless of whether your paying in euros, Swiss Francs or US Dollar.

Up to €50,000 balance, after which a custody fee may apply. Please find the Terms & Conditions here.

Is N26 secure?

Launched in 2015, N26 is a German bank operating with a full European banking license. We currently reach 25 European markets and have over 3.5 million customers. As a bank, N26 is supervised by the Financial Markets Regulator and meets all European regulatory requirements. Our clients' funds are guaranteed up to €100,000 by the Deposit Protection Fund. In addition, the N26 app has many features to ensure the security of its users' bank accounts and data.