N26 Standard — the free bank account you’ll love
Ideal for shopping and travel in the eurozone. Open a free euro account that includes a virtual card, free ATM withdrawals in euros, and 24/7 chat support.
You deserve hassle-free banking
Here’s a quick look at what you get with Standard.
Free virtual card
Pay with a tap of your phone. You may also order an optional physical Mastercard debit card for €10.
Show me virtual cards
100% digital banking
Get your free online bank account in minutes with no paperwork.
Open bank account
24/7 chat support
Chat to Customer Support in English, French, German, Italian, or Spanish — right in the N26 app.
Visit Support Center
Free ATM withdrawals
Make up to two free ATM withdrawals in euros in Switzerland and the eurozone per month.
Learn about withdrawals
Let’s make this perfectly clear
If you prefer a card you can hold in your hand, order the iconic N26 transparent card for €10.
N26 is simply secure
Pay it safe — we make sure your account is in safe hands.
Security your way
Effortlessly change your pin, set spending limits, and hide your data in the app.
Extra layers of protection
Biometric authentication and 3D secure keep your account and your money safe.
Lock and unlock your card
Instant control over your card is in your hands.
Keep track of your budget
The N26 app automatically categorizes your spending to make it easier for you to stay on budget. You also get to see your upcoming payments at a glance so there’s no surprises.
Open your account in Switzerland now
Open your N26 bank account in minutes and with no paperwork — right from your phone or our website.
Want more? Upgrade to N26 Smart to enjoy Spaces sub-accounts, savings automations, and more.
Compare N26 accounts
- Be over the age of 18
- Live in an eligible country
- Have your own smartphone
- Not yet have an account with N26
- Have a valid ID
- Be able to verify yourself in one of our supported languages: English, German, Spanish, Italian, or French
You must meet the following requirements to open an N26 Standard account:
First, you must meet all the requirements to open your free online bank account with N26. If you do meet all the requirements, then simply sign up for your account via the N26 website or download the app on your smartphone.
There’s no paperwork when you open your N26 Standard online account and it only takes a few minutes. Just have your valid ID on hand. As soon as you’ve verified your identity, you’ll receive your virtual N26 Mastercard and can start using it right away.
N26 Standard is a 100% online free bank account that allows you to manage your daily finances all in one place. Transfer, receive, and manage your money online whenever and wherever you are. Accept SEPA Instant Credit transfers from other banks at no extra cost and see the money in your N26 Standard account in seconds. Plus, MoneyBeam lets you send, receive, and request money among other N26 customers, all in real time and completely free.
As soon as you open your account, you’ll receive your virtual N26 Mastercard. Link it to Apple Pay or Google pay and use it for contactless payments in stores, online, or in apps. You can withdraw euros in Switzerland and the eurozone at any ATM equipped with a contactless reader. For withdrawals in Switzerland in Swiss francs, you’ll pay a 1.7% foreign exchange fee. If you'd rather have a physical debit card, that's no problem — just order your transparent N26 Mastercard for a one-time delivery fee of €10.
Plus, thanks to the Insights feature, you'll also learn more about your spending habits, which can help you manage your finances even better.
N26 Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account.
At N26 we offer the free N26 Standard account. You get an account with no maintenance fees or minimum balance. You also get a virtual Mastercard, which you can use for online purchases and mobile payments via Apple Pay or Google Pay.
You also have the option to open a paid N26 Smart account and get access to up to 10 sub-accounts and innovative savings features.
Open your fully mobile, online bank account in minutes — directly from your phone — and start banking from anywhere.
Yes — with N26 Standard, you get a bank account without any maintenance fees. This means that you don’t pay a monthly fee for the account, although you may also incur other costs when using your N26 account. For example, there might be chargeback fee costs for direct debits that bounce, or foreign transaction fees. That means that the costs for your N26 account depend on how you use your account and which services you use.
If you’re looking for an account with no maintenance fees and no minimum deposit, our N26 Standard account is perfect for you. You'll benefit from a fully online bank account with a virtual Mastercard that you can use to pay via Apple Pay or Google Pay — both online and in stores. You'll also enjoy access to the Insights feature, which helps you keep better track of your spending and find places where you can save more.
However, with an N26 account, fees may apply for various services. These include, for example, fees for direct debits that bounce. You can find more information about the costs of our accounts and services in our detailed price list.
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.
Find out more
N26's Complete Guide to Secure Online BankingThe complete N26 guide to banking safely online
Debit card fraud—what you need to knowFind out how you can protect yourself against debit card fraud.
Foreign transaction fees to look out for when using your debit card abroadHow much are you paying for foreign transaction fees and ATM withdrawals when using your card abroad? Read this article to learn more.