N26 Smart — the clever everyday bank account
This plan has intelligent features that give you more control of your spending, saving, and budgeting.
The power is in your hands
Here’s an at-a-glance look at the pro tools you get with Smart.
Every cent in its Space
Stay organized with up to 10 Spaces sub-accounts. Save for goals or expenses, and use your virtual or physical card to pay from a Space. Send and receive money directly to your Spaces by assigning them a unique IBAN — perfect for direct debits or repeat transfers.
Discover N26 Spaces
Investing made simple
Trade stocks and ETFs for free in your N26 app. Start investing in a few taps, and with as little as €1. You can also buy and sell 350+ crypto coins**. Want to build your portfolio faster? Upgrade to N26 Metal to get lower fees for crypto.
Discover investing
Plastic or pixels — why not both?
Paying is easy, whichever card you use. You get a free physical Mastercard debit card with N26 Smart, in addition to a free virtual card you can add to your digital wallet immediately.
Show me virtual cards
*The interest rates vary based on your membership. Interest rates are variable and subject to change any time. Learn more here.
**The market for crypto assets constitutes a high risk. A complete loss of the money spent is possible at any time. N26 Crypto is powered by Bitpanda Asset Management GmbH.
***These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes. Trading stocks and ETFs with N26 is fee-free. Note that fund issuers may charge their own ETF management fees directly.
- You’re at least 18 years old
- 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
- You’re able to verify yourself in one of our supported languages: English, German, Spanish, Italian, or French
Simply open your N26 Smart bank account via the N26 app on your smartphone or using the N26 web app on desktop. You must meet the following criteria:
To open your N26 Smart bank account, you must meet the eligibility criteria. If you do, you can simply register via the N26 web app on desktop or the N26 app on your smartphone. It takes just 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.
You can open your online bank account with N26 in minutes from your phone or the N26 web app. There’s no paperwork or waiting times. But best of all: once your N26 bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
N26 Smart is a bank account that comes with a physical N26 Mastercard debit card, up to six virtual cards, and three free domestic ATM withdrawals per month. As an N26 Smart customer you’ll also have access to innovative banking features that make saving and managing your finances easier. Thanks to Insights, you’ll also always have a detailed overview of all your spending.
Budgeting and saving is simple with N26 Smart. Create up to 10 sub-accounts with Spaces, including Shared Spaces to save and spend with others. You can even link a virtual card to a Space to spend directly from it, or use a Space’s IBAN to set up direct debit payments.
With N26 Smart you can also have a flexible Instant Savings account that lets you grow your money and access it when you need it. Interested in investing? Build your portfolio with crypto, stocks and ETFs right in your N26 app.
You can find the full details in the N26 Smart Terms and Conditions.
The N26 Smart bank account is a yearly subscription and costs €4.90 a month.
N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a Smart 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 Space, 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. You can also link a virtual or physical card to a Space to make payments directly from it.
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.
You can only have one active N26 account in your name. Currently, it’s not possible to have two N26 accounts under the same name. This means that you can’t have a private N26 bank account and an N26 business account at the same time.
N26 offers a free account switching service through our partner, Qwist. Requesting to switch takes only 10 minutes, and you can switch your bank account to N26 from almost every bank in Germany. To learn more, head to our account switching service page.
Do you love your N26 online bank account so much that you want to invite friends to discover the benefits too? In Germany, you can invite others to N26 and receive a bonus if they open an account. Go to My account > Useful actions > Invite your friends in your N26 app to get your invite link and learn more. Share your link with anyone you want to introduce to N26, so they can use it to open their new bank account. Find more information on our website.
Looking for a bank account that includes a credit card? This isn’t something that we offer at the moment — our online bank accounts come with debit cards. With an N26 debit card, you can pay online, in apps, and in stores, as well as withdraw cash free-of-charge at ATMs throughout Germany. Link your N26 card to Apple Pay or Google Pay and easily pay with your phone. Just like a credit card, your Mastercard debit comes with a card number, CVC, and expiration date, but there are also a few differences. Learn more in our guide.
Our N26 Smart account includes a physical Mastercard debit card, available in your choice of five colors. Plus, you can also get up to six free virtual cards, each with its own card number — for even more safety when you’re shopping online.
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