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.

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

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!

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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.

Go to 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.

FAQ