Standard N26 card on top of a brick.

*Up to €50,000 balance, after which a deposit fee of 0.5% p.a. may apply. Please find the Terms & Conditions here.

N26 You Timeline Feature in App.
Smartphone with the N26 Spaces open on it.

Secure online banking with N26

Mastercard SecureCode - Icon - N26 Security.

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—no paperwork needed. Lock your card if you lose it (and unlock if you find it), change your PIN and allow foreign payments when you're abroad. With N26 online banking becomes hassle-free.

Faster login with fingerprint authentication

Additional safety measures keep your account safe: 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.

N26 Bank Account Moneybeam example transaction.
A hand holding a credit card.

The N26 web app

Banking on the big screen

You might feel more comfortable with a bigger screen when you want to make important payments or get a good overview of your finances. N26 also offers a web app that lets you check your account information and transactions.

Download your transaction list

The web app also lets you print or download your transaction list and bank statements in PDF or CSV format. That makes it easier to file for tax returns!

Laptop with desktop version of N26 on a black table.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

An account that fits in with you

Ready to discover mobile banking? Compare our bank accounts now to find the one that fits you best. Choose between our free standard account and the N26 premium accounts, or opt for a business account if you’re a freelancer. Open your account directly on your smartphone in less than 8 minutes and discover modern banking.

Frequently asked questions

Is N26 a real bank?

N26 is the Mobile Bank. We operate with a full European banking license, and offer a free standard account, N26 You and Metal premium accounts, as well as business accounts for freelancers and self-employed. Our customers can manage all their banking transactions simply, easily and securely via a smartphone, and receive a Mastercard debit for free.

Is N26 secure?

N26 operates with a full European banking license, which protects your N26 account up to €100,000, under EU law directives. With 3D Secure, Mastercard Identity Check and fingerprint and face recognition, the security of your online payments is always guaranteed.

What are the benefits of using the free checking account?

The free bank account lets you manage all your finances under one app, whether at home or traveling. In addition, we don’t charge you any hidden fees when withdrawing money from an ATM, or when making payments in foreign currencies. Alongside getting instant push-notifications after every transaction, benefit from Spaces sub-accounts for better saving, automatic spending categorization with Statistics, and the ability to make and receive immediate funds from other N26 customers with MoneyBeam.

With N26 You and N26 Metal you can also withdraw money at no fees worldwide, and enjoy exclusive benefits such as discounts. On top of this, premium accounts come with an extensive package of travel and lifestyle insurance, courtesy of Allianz.

How much does it cost to open an N26 bank account?

With our standard account you will receive a free checking account—without having to pay anything. An N26 You bank account costs €9.90 per month, and the N26 Metal account costs €16.90 per month. If you opt for a N26 premium account, you commit to at least 12 months. You don’t need a steady income or a minimum deposit to open an account.

Up to €50,000 balance, after which a deposit fee may apply.Please find the Terms & Conditions here.

How to open an N26 bank account?

If you meet all the requirements, you can open your checking account with N26 for free and within minutes. All you need is a smartphone and your photo ID. It's easy with our digital authentication process. Download our app to open an account—you don’t even need a minimum deposit amount.