Germany's most popular bank in 2023
For two years in a row, Focus Money has named N26 Germany's most popular bank. Each year, the economics magazine evaluates digital bank favorability across the industry through bank reviews and relevant online resources. With a perfect score of 100 points, N26 has again asserted itself as the industry leader in 2023.
Open Bank Account
The free bank account that makes life easy
Not a fan of waiting times, hidden fees, or paperwork? Us too. Get a bank account with a virtual card and 24/7 support — and manage your money on the go.
Open N26 Standard Account
N26 Smart—spend and save with confidence
Discover N26 Smart—the bank account that gives you more control. Get access to a direct Customer Support hotline, and up to 10 Spaces sub-accounts to budget and save. Plus, get a colorful Mastercard debit card, free ATM withdrawals, and automatically categorized Insights to see where you're spending the most.
Discover N26 Smart bank account
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.
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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
N26 Insurance
Choose an N26 premium membership for insurance coverage that protects the things you value. N26 You and Metal include a package of travel insurance for lost baggage and trip cancellation, and N26 Metal-exclusive insurance covers your mobile phone and includes purchase protection.
Installment loans
If you need money for an urgent purchase, you can simply get an installment 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.
Get Insights into your spending habits
Not sure where all your money's going? Our Insights feature automatically categorizes your spending in real time. Track regular expenses, keep a pulse on your costs, and spot opportunities for savings. Everyday budgeting has never been easier.
Learn about budgeting
N26 Crypto — so easy to use
Say hello to N26 Crypto! So easy to try — it’s just a few taps away from your cash in the N26 app. And, you’ll get instant trades, clear insights, and access to almost 200 coins.
Take a look
The market for crypto assets constitutes a high risk. A complete loss of the money spent is possible at any time. N26 Crypto is powered by Bitpanda Asset Management GmbH.
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.
Create sub-accounts with N26 Spaces
Make payments the easy way with Apple Pay
Tired of carrying your wallet around? We get it—which is why you can link your N26 Mastercard to Apple Pay for effortless payments right from your smartphone. Apple Pay lets you make secure, contactless payments online, in stores, or even in-app. Each transaction is verified by touch or face ID, and takes place in real-time. It’s the simple, safe, 100% mobile way to pay.
Try Apple Pay
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.
Visit our Support Center
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 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.*The interest rates vary based on your membership: 2.6% p.a. for Metal, 2.26% p.a. for You and Smart, and 1.26% p.a. for Standard accounts. Please note that regular rates per membership are subject to change over time.