N26 You Timeline Feature in App.

Your free* N26 bank account

Join N26 to get a free bank account and a virtual Mastercard debit card to use all over the world. Discover convenient, 100% mobile banking, and stay in control of your finances—wherever you are.

Open your free bank account

*Up to €50,000 balance, after which a deposit fee of 0.5% p.a. may apply. Please find the Terms & Conditions here.

Open your salary account by June 30 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 June 30 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.

Smartphone and an N26 card.
N26 You Instant Push Notification about payment to an airline with two flight tickets in the background.

Smart, flexible banking in real-time

Whether you’re withdrawing or depositing money, or sending a MoneyBeam to your friend in real-time—keep on top of your spending thanks to automated push-notifications after each transaction. Stay flexible with CASH26, and withdraw and deposit money at no cost at over 11,500 shops in Germany.

Discover CASH26

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 operates with a full European banking license, and every N26 bank account is safe up to €100,000 according to EU directives. Thanks to 3D Secure, you’re also protected when making purchases online.

Reach your goals with N26 Spaces

Give your financial goals room to grow with N26 Spaces sub-accounts. Personalize each space with a name, set your savings target, and easily stash savings aside with just a few taps.

Rather set it and forget it? Easy—create Rules to regularly move money over to a space, or try Round-Ups to save up the spare change whenever you pay by card.

Manage sub-accounts with N26 Spaces
Smartphone with the N26 Spaces open on it.

We’re here for you. In several languages.

If you have any questions or run into any problems, our Customer Service team will be on hand to help you in English, French, German, Spanish and Italian. Just reach out to them via email or chat with an N26 expert in your app.

N26 Bank Account Customer Service Chat in App.

Banking with N26: smart, digital, simple.

N26 helps you stay on top of your finances effortless and flexible. Open your free bank account without annoying paperwork within minutes. Compare all N26 bank accounts and choose an account that suits you.

+7 Million
Customers
25
Markets
~1,500
Employees