N26 joint account in Switzerland
Your finances — better together
Everything in life is better shared, including money. Manage your euros in one place with your personal account and joint bank account, directly in the N26 app.N26 joint accounts include handy insights, dedicated IBANs, and easy-to-use features to make managing shared finances a breeze.
What is an N26 joint bank account?
The joint account at N26 is a euro account for two people to share. You can use its dedicated IBAN to manage your shared finances, including setting up recurring payments, paying shared expenses, or managing a shared budget. You can also link your N26 card to pay with your shared money.All customers with a personal N26 account may open one joint account with one other person. It takes just a few minutes and you can do it in the N26 app.
Pay directly from your joint account
Link a virtual or physical N26 card to your joint account for convenient, contactless payments using your shared money — for example for groceries and bills.
Track your budget — together
Managing your budget and spending habits is easy with N26 Insights, even when your finances are shared.Achieve financial goals together and enjoy 100% transparency as you do it. Filter payments by participant, and use our budgeting tools to oversee your joint finances.
Share the benefits of your joint account
100% digital
Open your shared bank account with a dedicated IBAN in minutes — no paperwork, no hassle, no waiting.
Simple to use
Get the same simplicity you enjoy with your personal N26 account, including instant transfers.
100% transparent
Keep your shared finances in check with filtered insights and budgeting features.
Full joint control
Stay in full, equal control — both account holders have full legal ownership of the shared money.
How to open your joint account in Switzerland
- If you're not already an N26 customer, open a personal N26 account
- Select 'Joint Account' from the 'Finances' tab in your N26 app
- Invite one of your contacts to open a joint account with you
- Then both of you must confirm the terms and conditions
- Finished! Enjoy your joint account
Your money is protected
Since N26 is a fully-licensed German bank, the money in your bank accounts — including your joint account — is protected up to €100,000 by the German Deposit Guarantee Scheme.
See how N26 is simply secure
The joint account from N26 is a free euro account for anyone living in Switzerland who’d like to have a shared bank account in euros. N26 is a German bank and you’ll get a German IBAN for your joint account. To open a joint account, you first need a personal N26 account, which you can open in just a few minutes.
N26 joint accounts can have a maximum of two account holders.
Yes. First you need to open a personal account (euro account) and then you’ll be able to open a joint account. It’s ideal for when you need a shared account for transactions in euros.
Once your N26 joint account is open, you can connect the card linked to your existing N26 personal account to your joint account instead. Alternatively you can connect a virtual card, or buy an additional card that is dedicated to your joint account for €10. Please remember that N26 cards are always issued per person, so it isn’t possible to have a card with both joint account holders' names on it.
First you need to open a personal N26 account. Then you can be invited to be a joint account holder, or open a joint account yourself.
If you already have a personal account with N26, head to the ‘Finances’ tab of your N26 app. Then add a joint account and choose the contact you want to share your joint account with. Once they accept your invitation and you both accept the terms and conditions, your joint account will be open. You’ll then each be able to transfer money in and out of the joint account.
Each account holder has 100% liability and equally shared ownership of the activity in the joint account.
Both account holders are named on the joint account.
The N26 joint account is a free feature available to all N26 customers, regardless of membership type.
Shared Spaces are available only to those with a premium N26 membership. It's not possible to make payments directly from a Shared Space, as they don't have a dedicated IBAN and you can't link a card to them. Each Shared Space can have up to 10 participants, but only the persona who opened the Space is the legal owner of the funds within it.
Joint accounts are available to all N26 customers, regardless of membership. They have a dedicated IBAN, and you can link a virtual or physical card to your joint account to make direct payments. Only two people can join a joint account, but both account holders have full legal ownership of the shared funds within it.