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Security you can bank on

As a fully-licensed German bank built on the latest technology, we’re always working to make sure your money is in safe hands.
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Banking that’s always there for you

Our comprehensive business continuity program helps us ensure that you have a seamless and uninterrupted banking experience. Learn more here.

More than an app: 
A fully licensed bank

N26 is a fully licensed German bank. That means we have the same security regulations as any other bank. It also means your funds are protected up to €100,000 by the German Deposit Protection Scheme. But our security measures don't stop there.
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Secure banking designed for today

Fully hosted in the cloud, we use artificial intelligence and machine learning to protect your account, fight financial crime and card fraud. It’s security technology you can trust.
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You can always pay it safe

From biometric authentication to extra layers of protection like 3D Secure, you can always spend confidently with N26. Want extra peace of mind? Your account can only be paired with your own smartphone, and you get real-time push notifications on all account activity — no surprises.
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Your money is in safe hands — yours

Get full control over the security of your account with customizable settings in your N26 app. Lock and unlock your card, change your PIN, set spending limits, and hide your sensitive data from prying eyes — instantly and effortlessly. It’s security your way.
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N26 — Simply Secure

At N26, security is a priority. Which is why, no matter which account you have, it’s always protected by innovative security measures and features.
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Security at N26

  • You must meet the following requirements to open an N26 Standard free bank account:
    • Be over the age of 18
    • Live in an eligible country
    • Have your own smartphone
    • Not yet have an online account with N26
    • Have a valid ID
    Find more information about opening an account here.
  • 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.
  • 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.