Top up—add money to your bank account quickly and easily

Bank balance getting low? Then it’s time for a top up! A top up simply means adding money to your account so you have enough balance to cover any upcoming payments. This guide will show you how to top up your account, and how N26 makes topping up a breeze.
Image showing a person with an N26 debit card and the N26 app displaying the account feed with the list of transactions.

What’s a top up?

When you make a top up, you’re depositing money into your bank account. You can also top up a prepaid card that isn’t connected to your bank account. In either case, you’re adding money to increase your existing balance. Top up in person, online, through an app—there are plenty of options to choose from. Read on to learn more.

Ways to top up an account

Topping up in person is usually as easy as going to a physical branch, an ATM, or a participating retail store and handing over the amount of cash you want to deposit. Digital top up methods include
  • mobile transfers,
  • direct deposits,
  • external bank transfers, and
  • top up via debit and credit cards.

Top up processing times

It might take some time before your top up shows up in your account, depending on your top up method. Some might appear instantly in your account, while others might take up to 5 days. With N26, all top ups are either instant or take up to 2 days at most.

Top up services and facilities

The fastest way to top up an account is usually with a debit or credit card, or via payment platforms like Apple Pay and Google Pay.EU residents can use SEPA transfer to top up an EU bank account, as well. N26 account holders have the added option of sending, receiving, and requesting money instantly with MoneyBeam. Open an account and make your first top up online in minutes.
Petrol N26 App with red notification.

Top up at N26 with a debit or credit card

Use a debit or credit card to top up your N26 account instantly. Simply open your app, click ‘Add Money,’ select ‘Credit or Debit card,’ and enter your desired amount. Then follow the prompts to complete the transaction, adding the details from your desired debit or credit card. Add between €20 and €150 per top up, with a max of €450 per month
N26 Instant Top Up notification on a smart phone.
Deposit Icon

Top up instantly with Apple Pay and Google Pay

card. Just tap ‘Add Money,’ in your N26 app, select ‘Apple Pay’ or ‘Google Pay,’ and follow the prompts. Again, add between €20 and €150 per top up, up to €450 per month. When you open an N26 account, you can add money via Apple or Google Pay to your account instantly, and start making payments straight away.

SEPA top ups

Anyone with an EU bank account can make credit transfers, direct debits, and card payments to any other bank account within the Single Euro Payments Area (SEPA). This cross-border transaction service makes topping up between EU accounts as easy as a regular domestic transfer. If both banks are SEPA-registered, instant credit transfers are processed within 10 days and regular credit transfers are processed in one working day. Direct debits can take 2 to 3 days to process.

Top up in cash with CASH26

N26 customers can make quick top ups in cash thanks to CASH26. Generate a barcode in your N26 app, show it to the cashier at any participating N26 retailer, and then hand in your cash as you check out. Deposit up to €999 within 24 hours, with just a 1.5% service fee. No purchase required!Or use CASH26 to withdraw cash whenever you want—free of charge.
Make your cash digital.

Prepaid card vs bank account

Unlike a regular bank account, prepaid cards are typically limited to just the amount of money you’ve put onto the card. Unlike bank accounts, you generally can’t make transfers or cash withdrawals with a prepaid card.Learn more about debit, credit, and prepaid cards here, and the differences between the three.
phone screen with N26 Metal Mastercard.

MoneyBeam instant top ups for N26 contacts

Get an instant influx of cash from another N26 customer thanks to MoneyBeam. To request a top up to your account, enter the email address or number of your contact, and the amount you are asking for. All the other party has to do is confirm, and you’ll have your money in minutes.MoneyBeam is an exclusive feature for N26 customers only, so open your account today to try it yourself.

Top up safely with secure transfers

All N26 accounts have a three-tier security system for your protection. Every time you need to top up, you’ll log in with a password, fingerprint, or face recognition. You must confirm each top up with your 4-digit PIN, and then you’ll receive a real-time push notification to verify your order is correct. Plus, all transactions you make with your N26 debit Mastercard are protected with 3D Secure technology. Read more on N26 security and 3D Secure measures here for even more peace of mind.

Find a plan for you

N26 Standard

The free* online bank account

The N26 virtual card.
Virtual Card


  • A virtual debit card

  • Free payments worldwide

  • Up to 3 free withdraws

  • Deposit protection

N26 Smart

The bank account that gives you more control

N26 You card, Teal.
N26 You card, Ash.
N26 You card, Wheat.
N26 You card, Petrol.
N26 You card, Rhubarb.


  • Free Virtual Card

  • Up to 10 Spaces sub-accounts

  • Support Center phone number

  • Round-ups


N26 You

The debit card for everyday and travel

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.


  • Up to 5 free withdrawals in the Eurozone

  • Flight and luggage delay cover

  • Medical emergency cover

  • Winter activities insurance

  • Pandemic coverage

N26 Metal

The premium account with a metal card

N26 Metal - Slate Grey.
N26 Metal - Charcoal Black.
Quartz Rose - N26 Metal Card.


  • An 18-gram metal card

  • Up to 8 free withdrawals in the Eurozone

  • Purchase protection

  • Phone insurance

  • Dedicated N26 Metal line

  • What does top up mean?
  • Why do people top up their account?
  • How do I top up my account?
  • Is there a limit to the amount of money I can top up?
  • Is top up real time?
  • What is a top up card?
  • Is my top up card insured?
  • What do I need to open a free bank account with N26?