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.
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 Mastercard to Apple Pay or Google Pay, and start spending before your physical card arrives.
Saving made easy with Spaces
Reach your financial goals with 10 Spaces sub-accounts that sit alongside your main account. Give each space a name, set saving targets, and create Rules to automatically move money over. Want to save and spend together with others? It’s easy—use Shared Spaces to invite up to 10 other N26 customers. To save up even faster, round-up your card purchases to the nearest euro, and stash away the difference to your chosen space.Discover Spaces
Statistics for better money management
Always wondering where all your money went at the end of the month? N26 Statistics no longer keeps you in the dark—get your transactions automatically categorized in real-time for a clear overview of where your money’s going each month. Learn from your spending habits, and learn to budget better along the way.
Treat yourself with N26 Perks
Sign up for N26 Smart, and unlock access to special offers from world-class partner brands. With a series of ever-changing deals from the likes of Yoox, TIDAL and GetYourGuide, benefit from generous discounts all year round.Partner Offers
Simple. Fast. 100% flexible.
Forget waiting in line at a bank, or inconvenient branch opening hours. N26 Smart 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.
Secure online banking
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.
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.
Protected up to €100,000
With N26’s full European banking license, your money is protected up to €100,000 by the German Deposit Protection Scheme.
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. You can also visit the N26 Support Center to find helpful tips at any time.
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?
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.
How do I open my N26 Smart account?
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.
What are the benefits of an N26 Smart account?
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 Statistics, 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.
What can I use Spaces (sub-accounts) for?
Spaces are sub-accounts that can be created in addition to your main account. You can create up to 10 Spaces, and move money between your main and sub-accounts with a simple drag-and-drop motion, as often as you like. Use your Space to organize your savings according to each of your financial goals, or to just put some money aside—the choice is yours.
As part of your 10 Spaces sub-accounts, you may also use the Shared Spaces functionality to invite up to 10 other N26 customers to a Space you own. This makes managing shared expenses or reaching joint savings goals a walk in the park. N26 Smart customers can also enable Round-up rules to round-up your card purchases to the nearest euro, and automatically save the difference in a chosen Space. Saving is easier with N26 Smart.
How much does N26 Smart cost?
The N26 Smart bank account is a yearly subscription and costs €4.90 a month.