Join the Mobile Bank with over 8 million customers
✓ Contactless Mastercard
✓ No minimum income
✓ No minimum deposit
✓ No hidden fees
Banking made simple
Forget paying for the basic stuff
With your virtual Mastercard, you can do all your payments online, in apps and in stores via your digital wallet. And we’ll always offer a feeless checking account that does what you need.
Mobile payments for Android and iOS
Digitize your wallet with Google Pay and Apple Pay – tapping your smartphone is all it takes to make transactions instantly.
Free card payments worldwide
Use your virtual Mastercard and you pay what’s on the pricetag. Never pay a foreign transaction fee again.
Mobile or desktop
Manage your N26 account 24/7 from the mobile app or the N26 WebApp, using your browser of choice. Download your transaction history in CSV or PDF format along with your monthly bank statements whenever you want
Take control of your finances. With just one app.
Manage everything directly in the N26 app—set payment limits, lock your card, and send money to friends. All in real time.
Real-time banking
Real-time push notifications keep you up-to-date with everything that’s happening on your account. Track payments, incoming and outgoing transfers and standing orders—with N26, get an instant notification after every transaction and see where your money goes.
Your funds are guaranteed up to €100,000
N26 is supervised by the Financial Markets Regulator and meets all European regulatory requirements. Our clients' funds are guaranteed up to €100,000 by the Deposit Protection Fund.
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.
N26 Metal: Make a statement
With the N26 Metal account, you enjoy exclusive benefits for everyday life and travel. Your payments and withdrawals in foreign currencies are free of charge and your travels are insured by a comprehensive insurance package by Allianz.
From the N26 application, you have access to a section dedicated to partner offers, designed to support you on a day-to-day basis.
What's next?
Open your account now and start using your virtual card instantly.
1. Sign up
Hit the button below and enter your personal details in order to create your account.
2. Download the app, verify your identity
Download and log in to the N26 app, so we can verify your identity. Have a valid ID ready.
3. Set up your virtual card
Once verified, your virtual N26 debit Mastercard is ready to use. Add it to your digital wallet like Apple Pay or Google Pay.
4. Enjoy your N26 account!
You're good to go! You can top up your account and start making transfers.
Frequently asked questions
What do I need to open a free bank account with N26?
You must meet the following requirements to open an N26 Standard free bank account:
- Be over the age of 18
- Live in an eligible country
- Have your own smartphone
- Not yet have an online account with N26
- Have a valid ID
Is N26 secure?
N26 has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customer's online payments is always guaranteed.
What are the benefits of using the free checking account?
The free bank account lets you manage all your finances under one app, whether at home or traveling. In addition, we don’t charge you any hidden fees when withdrawing money from an ATM, or when making payments in foreign currencies. Alongside getting instant push-notifications after every transaction, benefit from Spaces sub-accounts for better saving, automatic spending categorization with Statistics, and the ability to make and receive immediate funds from other N26 customers with MoneyBeam.
With N26 You and N26 Metal you can also withdraw money at no fees worldwide, and enjoy exclusive benefits such as discounts. On top of this, premium accounts come with an extensive package of travel and lifestyle insurance, courtesy of Allianz.
How much does it cost to open an N26 bank account?
The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, the N26 You bank account costs €9.90 per month and the N26 Metal account is available for €16.90 per month, with a 12-month commitment period. To open an N26 account, no deposit or minimum income is required.
How to open an N26 bank account?
If you meet all the requirements, you can open your checking account with N26 for free and within minutes. All you need is a smartphone and your photo ID. It's easy with our digital authentication process. Download our app to open an account—you don’t even need a minimum deposit amount.