N26 Standard
A free bank account—100% mobile and flexible
The standard N26 account is a checking account at no extra cost. Manage your account from your smartphone and discover modern banking. Start making free mobile payments before your physical card arrives.
Your virtual N26 Mastercard, accepted worldwide
Your free bank account comes with a virtual N26 Mastercard—you can start using it as soon as your account is set up. Link it to Apple Pay or Google Pay to make payments in stores, online, or in apps. And if you need cash, make up to 3 free withdrawals per month—simply find your nearest ATM equipped with a contactless reader.
Prefer plastic? No problem. Order your own transparent N26 Mastercard straight from your N26 app for a one-time delivery fee of €10.
Reach your savings goals with Spaces
Finally, make saving second nature with Spaces. With any N26 premium account, you’ll get 10 Spaces sub-accounts. Give each one a unique name and savings goal, and instantly add money from your main account with just a few taps.
Create a standing order with Rules to automatically transfer savings amounts to a space. Or try Round-Ups, the feature that rounds up every card payment to the nearest euro and stashes away the difference.
Manage your money with Spaces
Headache-free instant payments
After signing up, instantly top up through a debit card to get money into your account. Make bank transfers for free using N26 MoneyBeam in real-time – send, receive or request money from your contacts listed in the N26 app, or to new ones with just an email or phone number.
Need to get funds into your account straight away? Avoid the worry, and receive incoming payments with SEPA Instant Credit Transfer in seconds.
Secure online banking with N26
Your N26 account is 3D Secure
3D Secure (3DS) protects you when making purchases online. With Mastercard Identity Check, your online card payments are extra secure so you have one less thing to worry about.
Instant push notifications
Track your account activity. Receive real-time push notifications for every transaction, including card payments, withdrawals, transfers, and more.
Custom settings
With N26, choose your PIN code and payment limits. Easily lock and unlock your virtual card, and authorize or cancel online payments.
Faster login with fingerprint authentication
Additional safety measures keep your account safe: open your N26 app with fingerprint identification or face recognition, and protect it from unauthorized access. With biometric authentication, you can easily authorize payments for your online purchases without having to enter your PIN every time.
Track your expenses with Statistics
Your salary comes in, you pay for your coffee with card (or your mobile phone) and transfer money to friends—your free bank account tracks and recognizes your transactions. Thanks to automatic spending categorization, always receive an up-to-date overview of your current expenses.
With #tags, you can further personalize the system. And when you go to file your tax return, simply export your transaction history as a CSV file via the WebApp.
An account that fits in with you
Ready to discover mobile banking? Compare our bank accounts now to find the one that fits you best. Choose between our free standard account and the N26 premium accounts, or opt for a business account if you’re a freelancer. Open your account directly on your smartphone in less than 8 minutes and discover modern banking.
We are here for you—in 5 languages
Our N26 Support team is available for you in 5 languages via email or chat. Whenever you have a question or encounter a problem, they’re always on-hand to help.
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.