Split expenses the easy way with Split the Bill

Let's face it, figuring out how to split a shared bill is not the most fun part of a night out with friends. But with our Split the Bill feature, there’s no more need to ask for separate bills for everyone at the table. Easily and instantly split any payment made with your N26 card, right in the N26 app.

Bill divided in 4 parts and split with 4 for people.

How to Split the Bill

Split the Bill lets you split payments made from your N26 account with friends or family members, even if they’re not N26 customers.

Here’s how:

  1. Tap on the transaction in your N26 app, and select 'Split the Bill'
  2. Select the people you want to split the bill with
  3. Choose an even or custom split
  4. Tap 'confirm split request' to review and send

N26 customers will receive a MoneyBeam request, while other contacts will get a message with the amount they owe and your banking details.

Split the Bill takes all the work out of splitting expenses

No more math

No more complicated adding up or division to figure out who owes what. We do all the work for you.

No external apps needed

No toggling between multiple apps. Split, request and receive payments all in your N26 app, keeping everything in one place.

Get paid back instantly

Split the bill with other N26 users and get paid back instantly with MoneyBeam.

Split any way you like

Choose between splitting the bill evenly or assign custom amounts to each person, so everyone pays their fair share.

Experience 100% real-time banking

Banking with N26 means no waiting for things to happen. With MoneyBeam, you can send and receive instant money transfers from other N26 users, day or night. And if they haven’t paid you back in 7 days, we’ll send you a reminder. You also get Instant push notifications on your phone, to keep you informed of everything happening on your account, the moment it happens.

Pizza in a box and price split by four friends.

Saving and budgeting with others, made easy

How to manage money with others without things getting all tangled up? N26 Spaces makes it easy to set aside money in 10 dedicated sub-accounts. And with N26 Shared Spaces, you can manage joint savings or expenses with your family or trusted friends in one shared sub-account.

Transparent N26 Standard card.
N26 You card, Petrol.

Open your N26 bank account now

New to N26? Sign up for your N26 bank account right now and enjoy 100% mobile banking with smart features designed to give you more control over your money. Compare our premium plans to find the one that’s best for you.


How does Split the Bill work?

Split the bill makes it easy to split shared expenses like restaurant or utility bills with any contact on your phone. After you’ve paid, just tap on the transaction on the ‘Home’ tab in your N26 app, select ‘Split the Bill’ and choose the people you’d like to split the bill with. You can choose an even split or assign custom amounts to everyone. N26 users will receive a MoneyBeam request and can pay you back instantly, while your other contacts will receive a message with your account details and the amount they need to pay you.

Can I split bills with someone outside N26?

You can split a bill with anyone, as long as you have their contact details. Splitting a bill with N26 customers does mean they can pay you back instantly and settle your bill in seconds. Non-N26 users will receive a message with your banking details and the amount they need to pay you.

How long does it take to split a bill?

Splitting a bill with other N26 customers is instant, as they’ll receive a MoneyBeam request and can pay you back right away. Friends and family members who don’t bank with N26 will receive a message with your banking details and the amount they owe you, so depending on their bank, it could take a few days for the money to reach your N26 bank account after they’ve made the payment.

Is Split the Bill available to all N26 customers?

Split the Bill is available to N26 customers on all of our plans, which means you can get paid back instantly when you split a bill with other N26 customers.