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.

Image of a mobile phone showing a subaccount on the screen and a black debit card in the side with Forbes best bank logo.
hand holding a N26 debit card with the words "Spend" and "Save" in the background.

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.

Discover your Mastercard

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.

Discover Spaces
image of two N26 subaccount showing the "main account" and "Back to college" spaces to budget money.

Master your spending with Statistics

Ready for a simple and quick view of your finances? Meet N26 Statistics, the intelligent feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on ‘Shopping,’ ‘Bars & Restaurants,’ ‘Groceries,’ and more—all it takes is a quick glance to stay on track with your monthly budget. Plus, with a clear overview of your upcoming regular payments, it’s never been easier 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 a series of ever-changing deals from the likes of Yoox, TIDAL and GetYourGuide, 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. 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.

image showing four images of N26 features.
EasyFlex Savings Interface.

Grow your savings every day

It pays to save with EasyFlex Savings. Set it up in just a few taps on your N26 app, and start earning competitive daily interest on your money—without locking it away.

Enjoy complete freedom on how you save with no minimum deposit time, and no notice periods. It's just another smart way to make your money go further with N26.

Get EasyFlex Savings

Secure online banking

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.

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.

Visit our Support Center
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?

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.

Find more information here.

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.

How much does N26 Smart cost?

The N26 Smart bank account is a yearly subscription and costs €4.90 a month.

What are Spaces sub-accounts, and how can I use them?

N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a premium customer, create up to 10 Spaces sub-accounts with IBANs in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund. Of course, how you use your spaces is up to you—it’s not necessary to add an IBAN to each space if you don’t need one.

With unique IBANs for each Spaces sub-account, you can receive SEPA bank transfers and pay via direct debit—right from each space. Try using Rules to automatically set your bill money aside to a space, then pay via direct debit from your sub-account. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account.

If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other N26 customers. However, please note that an IBAN cannot be added to a Shared Space for now. Stay tuned for more updates to come! Find out more about Spaces and Shared Spaces here.

How can I switch my bank account to N26?

N26 offers a free account switching service through our partner, finleap connect. Requesting to switch takes only 10 minutes, and you can switch your bank account to N26 from almost every bank in Germany! Simply type in the name of your current bank on our account switching service page. Don't wait—discover today how easy it is to switch banks with our service.