A free bank account—100% mobile and flexible
The standard N26 account is a checking account at no extra cost. Manage your account with your smartphone and experience digital banking at its best.
Your bank account with N26
N26 offers a free online bank account that you can open from your smartphone in minutes. Benefit from free withdrawals in euros, and free payments in all currencies—wherever you are in the world. Smart features like automatic categorization of your spending and real-time push notification help you keep track of your finances. Get a transparent Mastercard with all these benefits at zero cost.
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.
Push-notifications in real-time
With real-time push-notifications after every transaction—whether you're paying in store or online, receiving your salary, or withdrawing money from the ATM—you'll always have an overview of your financial movement.
Full control of your card
You can easily adjust the security settings of your N26 account directly in the app. Lock your card if you lose it (and unlock if you find it), change your PIN and allow foreign payments when you're abroad.
Faster login with fingerprint authentication
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.
Save with Spaces and reach your goals
Spaces is a N26 feature that lets you create your own sub-accounts to better organize your finances and save money. Create a space with just a few clicks, set a savings target and follow your progress.
And soon, you’ll be able to pool money together with other N26 users with Shared Spaces. We’ll let you know when this feature is available.Shared Spaces
Free payments abroad, instant payments, and more
We only charge you fees where it’s necessary. You will not be charged extra for payments abroad, regardless of currency. Thanks to our partner TransferWise, you can also transfer money abroad up to six times cheaper than traditional banks.
Want to send money to friends and family? With MoneyBeam, make instant payments to other N26 contacts listed in your N26 app in seconds
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.
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.
Launched in 2015, N26 is a bank operating with a full European banking license. We currently reach 26 markets and have over 4.5 million customers.
As a bank, 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. In addition, the N26 app has many features to ensure the security of its users' bank accounts and data.
N26 is The Mobile Bank, allowing customers to 100% manage their bank account online and from their smartphone in real-time, whether they’re at home or travelling the world. There are zero exchange fees on card payments in any currency. N26 You and N26 Metal accounts also allow you to make withdrawals without foreign currency exchange fees and offer access to premium benefits – these include exclusive partner offers, as well as the Allianz insurance package.
The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. 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.
If you meet the eligibility criteria, you can open an account with N26. Simply register via the website or by downloading the N26 mobile app to your compatible phone. Opening an account only takes 8 minutes and is done without paperwork. Once you have verified your identity, your bank account will be ready to go.