The bank account that gives you more control

Simply open your N26 Smart bank account via the N26 app on your smartphone or using the N26 WebApp on desktop. You must meet the following criteria:

• You’re minimum 18 years of age,
• You’re a resident of one of the supported countries,
• You have a compatible smartphone,
• You don’t have an account with N26 yet,
• You have a supported ID document on hand, which is valid in your country of residence.
• You’re able to verify yourself in one of our supported languages: English, German, Spanish, Italian, or French.

Find more information here.

To open your N26 Smart bank account, you must meet the eligibility criteria. If you do, you can simply register via the N26 WebApp on desktop or the N26 app on your smartphone. It only takes 8 minutes to open a bank account, and there’s no paperwork involved. You may start using your account right away once your identity is verified.

For more information on how to open your N26 Smart account, and a list of your required documents, visit our Support Center.

You can open your mobile N26 account online in just 8 minutes from your phone or the N26 WebApp—no paperwork or waiting times. But best of all: Once your N26 bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.

N26 Smart is a premium bank account that comes with an N26 Mastercard debit card, 5 free ATM withdrawals per month in Germany, and no foreign transaction fees. Furthermore, as an N26 Smart customer you’ll have access to exclusive partner perks and innovative banking features that make saving and managing your finances easier. Thanks to Insights, you’ll also always have a detailed overview of all your spending. You can create up to 10 sub-accounts with Spaces, including Shared Spaces to save and spend with others. You can find the full details in the N26 Smart Terms & Conditions.

The N26 Smart bank account is a yearly subscription and costs €4.90 a month.

N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a premium customer, create up to 10 Spaces sub-accounts with IBANs in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund. Of course, how you use your spaces is up to you — it’s not necessary to add an IBAN to each space if you don’t need one.

With unique IBANs for each Spaces sub-account, you can receive SEPA bank transfers and pay via direct debit — right from each space. Try using Rules to automatically set your bill money aside to a space, then pay via direct debit from your sub-account. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account.

If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other N26 customers. However, please note that an IBAN cannot be added to a Shared Space for now. Stay tuned for more updates to come! Find out more about Spaces and Shared Spaces here.

With N26, you can only have one active account in your name. Currently, it’s not possible to have two N26 accounts under the same name. This means that you can’t have a private N26 bank account and an N26 business account at the same time.

N26 offers a free account switching service through our partner, finleap connect. Requesting to switch takes only 10 minutes, and you can switch your bank account to N26 from almost every bank in Germany! Simply type in the name of your current bank on our account switching service page. Don't wait—discover today how easy it is to change banks with our service.

You love your mobile N26 bank account so much that you want to invite friends to discover the benefits of N26 too? In Germany, you can invite others to N26 and receive a bonus if they open an account. Go to My account > Useful actions > Invite your friends in your N26 app to get your invite link and learn more. Share your link with anyone you want to introduce to N26, so they can use it to open their new bank account. Find more information on our website.

Looking for a bank account that includes a credit card? This isn’t something that we offer at the moment—our mobile bank accounts come with debit cards. With an N26 debit card, you can pay online, in apps, and in stores, as well as withdraw cash free-of-charge at ATMs throughout Germany. Link your N26 card to Apple Pay or Google Pay and easily pay with your phone. Just like a credit card, your Mastercard debit comes with a card number, CVC, and expiration date, but there are also a few differences. Learn more in our guide.

Our N26 Smart account includes a physical Mastercard debit card, available in your choice of 5 stunning colors. Plus, you can also get a free virtual card with its own card number—for even more safety when you’re shopping online.