Hidden fees? Not our thing.
Save your cash with a free virtual card, two free monthly ATM withdrawals in euros, plus free card payments worldwide.
Your money, your control
Pay friends back in seconds, balance your bills, and set spending limits to keep it all in check.
Set it up between classes
Open your free euro account from your phone and use your virtual card right away.
Bank for free: There is no account management fee for the N26 Standard Account. For all other account plans fees apply. See List of Prices and Services for current fees.
FAQ
Yes! We’re a digital bank with a full German banking license and millions of customers across 24 countries.
By law, the funds in your account are protected up to €100,000 through the German Deposit Protection Scheme. We’re fully hosted in the cloud and use artificial intelligence to fight financial crime and card fraud. We also secure every transaction with passcodes and Face ID or Touch ID technology, as well as confirm every customer’s identity when opening an account. Learn more about our security here.
You’ll need government-issued ID, for example, a passport. You'll also need a smartphone to use your account, and must be a resident of a country we operate in.
The N26 Standard bank account is free and there are no opening or maintenance fees. N26 Smart costs €4.90 per month. No deposit or minimum income is required to open an account.
Yes, the currency of your bank account from N26 is in euros. But we don’t charge any fees for payments in foreign currencies.