N26 Smart

The bank account that gives you more control

Discover N26 Smart, the bank account with powerful features to help you spend and save with confidence. Sign up in minutes right from your smartphone—no paperwork required.
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Your colorful Mastercard, accepted worldwide

Compliment your style with a colorful Mastercard debit card, available in 5 stunning colors—Ocean, Sand, Rhubarb, Aqua or Slate. Enjoy 5 free ATM withdrawals each month, plus zero foreign transaction fees when you pay in another currency. Simply add your new N26 Smart debit card to Apple Pay or Google Pay, and start spending before your physical card arrives.
Discover your Mastercard
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Start earning interest

No deposit limits,* simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.N26 Smart customers get 2.26% p.a.** interest on their savings.
More about the Instant Savings account
Image showing 2.26% interest rate for savings accounts and a woman dressed in blue holding a cell phone in the background.

*The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. **The interest rates vary based on your membership: 4% 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.

Stocks and ETFs the simple way

How about investing in your future without having to leave your banking app? With N26, you can buy stocks and ETFs right from your phone. Get 15 free trades every month when you upgrade to N26 Metal — and 5 with N26 You.You can also set up a fully-flexible automated investment plan — available for free with all our stocks and ETFs.
Discover Stocks and ETFs
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Get smart about your finances with Spaces sub-accounts

Effortlessly organize your money in 10 Spaces sub-accounts, each with its own IBAN. Easily put money aside from your main account in a few taps, then create standing orders for recurring payments, pay your bills via direct debit, or send and receive SEPA transfers—directly from each sub-account. Saving for a dream purchase? Save with up to 10 others in a Shared Space, or try Round-Ups to reach your goals even faster. We'll help you stash away the spare change whenever you pay by card.
image of two N26 subaccount showing the "main account" and "Back to college" spaces to budget money.

Stay on top of your finances with Spaces

Pay via card from your Spaces

Keep track of your expenses by linking your N26 Mastercard to a Space of your choice—and easily set and stick to your holiday budget.

10 sub-accounts with individual IBANs

Receive and make SEPA transfers or set up direct debits and standing orders to pay subscriptions, invoices, or your rent—directly from your Spaces.

Checkmark Rhubarb Icon

Save automatically with Round-Ups

Save money regularly—and without even noticing—by activating Round-Ups. Every time you pay with your card you’ll save the change in a Space of your choice.

Automatically sort your income into Spaces

With Income Sorter, you can automatically set aside a portion of your incoming transfers into your Spaces. Put aside enough money for bills and your next vacation without having to think about it.

8 minutes

to open a bank account

Customer support

7 days a week

Deposit guarantee scheme

of up to €100,000

A full banking license

since 2016

Master your spending with Insights

Meet N26 Insights, the smart feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on shopping, groceries, and more—all it takes is a quick glance to stay on track with your monthly budget. See where your money went last month with the Monthly Wrap-Up, so you can fine-tune your spending habits. Plus, with a clear overview of your upcoming regular payments, it’s easy to plan ahead and stay on top of your finances.
Learn about budgeting

Treat yourself with N26 Perks

Sign up for N26 Smart, and unlock access to special offers from world-class partner brands. With new deals from the likes of Booking.com, Adidas, and HelloFresh, benefit from generous discounts all year round.
View partner offers
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Simple. Fast. 100% flexible.

Forget waiting in line at a bank, or inconvenient branch opening hours. An N26 Smart bank account offers 100% mobile banking so you can manage your money from anywhere, at any time. Access your bank account from the N26 app on your smartphone or the WebApp on desktop, 24/7. No paperwork, no waiting, no hassle.
Open online bank account
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Customer Support for premium customers

Whether it’s a question or a technical issue, our N26 Customer Support specialists are always happy to help out in German, English, French, Italian or Spanish. Simply contact us via the in-app chat, or reach us on our hotline as a premium N26 customer—we’re there for you 7 days a week. You can also visit the N26 Support Center to find helpful tips at any time.
Visit our Support Center

Secure online banking

Protected up to €100,000

With N26’s German banking license, your money is fully protected up to €100,000 by the German Deposit Protection Scheme.

3D Secure

Safely shop online thanks to Mastercard 3D Secure—the 2-factor authentication step that adds an extra layer of protection.

Instant push notifications

Immediately receive alerts on your smartphone after each transaction. With N26 Smart, you’ll always know what’s coming in and out of your bank account.

Biometric identification

Securely log in to your bank account with fingerprint identification or FaceID, so no one can access your bank account unless it’s really you.

N26 You card, Teal.
N26 You card, Ash.
N26 You card, Rhubarb.
N26 You card, Wheat.
N26 You card, Petrol.

Spend and save with confidence

Discover premium banking with innovative features that help you to spend and save with confidence—for only €4.90 a month! Open your N26 Smart bank account in just a few minutes, directly from your smartphone, or via the N26 WebApp on desktop. No paperwork required.


  • What do I need to open my N26 Smart account?
  • How do I open my N26 Smart account?
  • How long does it take to open a bank account with N26?
  • What are the benefits of an N26 Smart account?
  • How much does N26 Smart cost?
  • What are Spaces sub-accounts, and how can I use them?
  • How many bank accounts am I allowed to have?
  • How can I switch my bank account to N26?
  • Is there a bonus for referring a friend to N26?
  • Can I open a bank account with N26 that comes with a credit card?
  • What kind of bank card do I get with an N26 Smart account?