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.
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.
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.
*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: 2.6% 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.
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.
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.
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.
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.
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.
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.
FAQ
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?