N26 You Timeline Feature in App.

Your free N26 bank account

Get your free bank account in just 8 minutes and manage your money right from your smartphone. Discover smart features that give you more control over your finances. Get a virtual Mastercard right after opening your account—and connect it with Apple Pay or Google Pay to start spending right away. Up to €50,000 balance, no deposit fee applies.

Prefer a physical bank card? Order it for a one-time delivery fee.

Open your free bank account

Open your salary account by July 31 and get a €126 bonus!

N26 customers enjoy access to smart features, partner offers, and much more. And now, we’ve got an extra special gift in store to get summer started right. Open your salary account with N26 by July 31 and you’ll receive €126 from us! How does it work? Simply use the code N26GIROKONTO when opening your account. Read on to learn more!

Hand with Standard N26 Card.

N26 Smart—spend and save with confidence

Discover N26 Smart—the bank account that gives you more control. Enjoy access to a direct Customer Support hotline, and get a colorful Mastercard debit card, free ATM withdrawals, up to 10 Spaces sub-accounts, access to Shared Spaces, and insights into your spending habits with Statistics—a powerful AI-powered categorization tool.

image showing four images of N26 features.

Financial products

Overdraft

Apply for an N26 Overdraft of up to €10,000 right in your N26 app with just a few taps. Manage all your finances directly from your smartphone, and easily keep an eye on your spending as well as your daily overdraft costs.

Learn more

Consumer credit

Want more financial flexibility? Request a loan of up to €25,000 directly in-app with N26 Credit—no paperwork involved. Compare loans and manage your payments easily right from your smartphone.

Discover N26 Credit

Flexible easy-access savings

Maximize your savings with N26 EasyFlex Savings and earn competitive daily interest rates without locking your money away. Access your funds in just 2 business days, with no minimum deposit periods. The best part? It’s completely free of charge!

Get EasyFlex Savings

Instalment loans

If you need money for an urgent purchase, you can simply get an instalment loan for a payment you've made in the past. This way you can increase the funds in your N26 account quickly and stay flexible.

Learn more

Withdraw and deposit cash

Enjoy 3 free ATM withdrawals per month with N26 Standard, or get up to 8 free ATM withdrawals a month with a premium N26 account. With a handy ATM locator in your N26 app, finding your nearest cash point is a matter of seconds.

No ATMs around? You can also deposit and withdraw cash with CASH26 at over 11,900 partner retail stores in Germany. The app will generate a barcode for you to show at the cash register to deposit or withdraw cash—it’s that simple.

Insights on your spending habits

Not sure where all your money goes? Thanks to Statistics, your account uses artificial intelligence to automatically categorize your spending and shows you right in the app. Learn how to better manage your expenses, view all your transactions divided into smart sub-categories, and gain insights into your financial habits.

Learn about budgeting
The image shows the new N26 statistics feature divided by expenses and income.

Your safety is top priority

N26 is a real bank with a full banking license. This means that your N26 account is always protected up to €100,000 by the German Deposit Protection Scheme.

We also believe in transparency. N26 has no hidden fees, and we send you push notifications for every incoming and outgoing transaction, so you always know what’s happening on your account.

Reach your financial goals with N26 Spaces

N26 Spaces are flexible sub-accounts, designed to help you organize your money or meet your savings goals. As a premium customer, create up to 10 Spaces with individual savings goals, and automatically put money aside to each space with Rules. And with Round-Ups, you can even save while you spend—we’ll round up your card purchases to the next euro.

Managing shared expenses with others? Simply create an N26 Shared Space, then invite up to 10 other N26 users to save and spend together.

Manage sub-accounts with N26 Spaces
Smartphone with N26 Spaces and boom in background.
N26 Bank Account Customer Service Chat in App.

Customer Support in your language

Our N26 specialists are available for you day and night in English, German, French, Italian, and Spanish. Contact us via the live chat in your N26 app, or give us a ring on the priority support hotline if you’re a premium customer.

Prefer to DIY? Find answers to our most frequently asked questions in the N26 Support Center.

Go to Support Center
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Your 100% mobile bank account

N26 is flexible and convenient. Manage your finances in real-time on your smartphone. Open your N26 account online in 8 minutes without any paperwork—right from the comfort of your home. Ready to switch banks? Thanks to our partner finleap connect, you can easily make N26 your main account—for free. Get your existing direct debit payments, standing orders and recurring payments transferred to your N26 account, in just a few taps. Find our account switching service directly in your N26 app.

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