N26 Standard

The free bank account for your day-to-day

Let’s start with the basics. N26’s free online bank account lets you send, receive, and manage your money all in one convenient place. Sign up online in just 8 minutes, straight from your smartphone. No paperwork. No hidden fees. No hassle.

N26 banking app showing a virtual mastercard on a light green background.
Virtual card.

Your virtual N26 Mastercard

Once you open your free bank account, add your virtual N26 Mastercard to your mobile wallet and start paying from your smartphone right away. Spend in stores and online, and make free withdrawals in euros up to 3 times a month from any ATM with contactless functionality.

Deposit insurance

N26 is a fully licensed bank. That means money you deposit in your free bank account is insured up to €100,000.

2FA and 3D Secure

If you shop online, you’re always secure with N26—every purchase includes 2-factor authentication to keep you in control of your spending.

Fast and secure log in

Activate biometric verification to log in with your fingerprint or face recognition. Not only does it add security, it also saves you time.

Push notifications

No matter where your money’s going, your N26 app will send you push notifications after each transaction so you’ll never be surprised by your balance.

N26 Smart—spend and save with confidence

Get more out of your bank account. N26 Smart lets you manage your money even better with 10 Spaces sub-accounts—helping you set goals and save money by moving money over from your main account. Plus, get special deals and discounts from the brands you love. And it’s just €4.90 per month!

Discover the premium feature spaces

Your spending at a glance

Familiarize yourself with your spending habits with Statistics—a powerful feature that tracks what you spend and sorts it by categories. With these smart insights, find a better way to optimize your budget, and save even more money.

Send and receive money in real-time

Transfer money instantly to other N26 customers with MoneyBeam. All you need is their email or phone number, and you can send or request money for free with just a few taps on your smartphone. Easy!

Learn about Instant payments
Instant payment.

Banking that suits your needs

100% mobile

Your free account is always at your fingertips—wherever you are—thanks to the N26 mobile app.

Use your desktop

More comfortable on the computer? No problem. You can also access your free bank account online through the N26 WebApp.

Customer Support in 5 languages

Whatever canton you’re in, we speak your language. Our Customer Support specialists speak German, French, Italian, English, and Spanish, and are more than happy to assist you. Speak to us directly in the N26 app via the chat function, and find frequently asked questions about your free bank account in the N26 Support Center.

Visit our Support Center
Transparent N26 Standard card.
N26 You card, Petrol.
N26 You Business Card, Ocean.

Flexible, practical, and 100% mobile—your free bank account

Find a euro account that’s right for you. Start with our free bank account or upgrade to a premium plan for even more benefits. No matter which plan you choose, it just takes 8 minutes to open your new free bank account online. No paperwork. No queues. No hassle.


What is the N26 bank account (euro account) for Switzerland?

The free bank account from N26 is a free euro account for anyone living in Switzerland who’d like to have a bank account in euros. N26 is a German bank and you’ll get a German IBAN, a virtual Mastercard, and benefit from other smart money management features. Open your account directly on your smartphone in just a few minutes.

What fees are there for the free bank account from N26?

Basically, none. You don’t pay a joining fee or other recurring bank charges. Since we’ve decided to steer clear of any paperwork or red tape, you don’t pay a surcharge for paper documents either.

How do I open a free bank account at N26?

It’s simple—first make sure that you meet the requirements to open an account. You have to be over the age of 18, live in one of the eligible countries, and not have a different N26 account already. Of course, you should also have a compatible smartphone. Apart from that, you just need an ID and a few spare minutes. Download the N26 app to open your free bank account, or use the N26 WebApp. As soon as you’ve opened your account, you’ll receive your virtual Mastercard and you’ll be up and running!

Is the free bank account with N26 a euro account?

Yes, the currency of your free bank account from N26 is in euros. But we don’t charge any fees for payments in foreign currencies.

How do I deposit money into my free bank account?

You have three options to deposit money into your N26 euro account.

  • Transfer money from another euro account via a SEPA payment (free of charge).
  • Transfer money from another non-euro account via a SEPA payment (your Swiss bank might charge you for this and you’re bound by their exchange rates).
  • Transfer money via our partner TransferWise.

We recommend making all transfers of different currencies to your N26 euro account via TransferWise. You’ll get the best exchange rate on their website and enjoy a transparent transaction.

Where can I withdraw money with the N26 Mastercard?

You have several options to withdraw money with your N26 Mastercard:

  1. You can withdraw euros in Switzerland or the Eurozone three times a month free of charge.
  2. For withdrawals in Switzerland in Swiss francs, you’ll pay a 1.7% foreign exchange fee.
  3. For international withdrawals in other currencies, you’ll pay a 1.7% foreign exchange fee. You can find more information about withdrawing money in our Support Center.

What are the benefits of a free bank account at N26?

You have the following benefits as an N26 Standard customer:

  • 3 free withdrawals in euros at ATMs that support contactless withdrawals. Caution: some ATMs sometimes charge their own fees
  • Statistics—categorize and view your monthly spending activities at a glance
  • Push notifications in real-time, always keeping you in-the-know of what’s happening with your free bank account
  • Added security, thanks to biometric authentication, 3D Secure, deposit insurance, and much more
  • MoneyBeam, letting you transfer and receive money from other N26 customers for free in real-time
  • 100% mobile banking on your smartphone or via the N26 WebApp.

And get even more benefits as a premium customer! Find out more about our N26 Smart account here.