Bank even with a negative SCHUFA

N26 Flex is the 100% mobile bank account with a Mastercard debit card that you can open even if you have a negative SCHUFA score.
Open bank account with negative Schufa
Open bank account with negative Schufa
Young man closing his backpack to go hiking. The image also shows a N26 transparent debit card and a mobile phone displaying the N26 banking app.

Open your account in minutes

Open your N26 Flex bank account right from your smartphone, for just €8.90 per month, even if you have a negative SCHUFA.
Open bank account with negative Schufa
A hand taking out domino pieces from the box. There are also some snacks on a glass table, a N26 transparent debit card and a mobile phone displaying the N26 banking app.

Grow your money

Earn interest on your savings — calculated daily and paid out monthly.
A woman arranges flowers on a table. A savings account balance and earned interest are displayed.

Investing made effortless

Invest in 5,000+ stocks, ETFs, ready-made funds, and more1 — without switching apps. Start from €1 and invest regularly by setting up a savings plan for free. Investing involves risk of financial loss.
Start investing
A man outdoors looks into the distance while holding a smartphone, with investment portfolio data displayed beside him.

Get 24/7 support

Message our chatbot 24/7, or talk with Customer Support daily from 07:00–23:00 in English, German, French, Italian, or Spanish.
Customer Support
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Security you can trust

As a fully-licensed German bank2 built on the latest technology, we use advanced security measures to keep your money safe.
Learn about security
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Open your Flex account in minutes

Open your N26 online bank account with no paperwork — right from your phone or our website.
Open bank account with negative Schufa
Open bank account with negative Schufa

Frequently Asked Questions

  • Our N26 Flex account is neither an N26 Standard account, a premium membership account, nor a basic account, according to §§ 30 ff. ZKG.

  • Yes, you can get an N26 Flex bank account even if you have a negative SCHUFA score. Nevertheless, you still need to meet our other terms and conditions.

  • If you have a positive SCHUFA score, we’ll redirect you to sign up to another N26 account that’s better suited to your needs.

  • Yes, your N26 Flex bank account comes with a Mastercard debit card as standard. This card is equipped with contactless NFC technology, and our statement debit card design.

  • Similar to savings accounts, Spaces are sub-accounts that sit alongside your main N26 account. Drag and drop funds over to save up and reach your personal savings goals, and keep track of your progress along the way.

  • Yes, just add your card to your Apple Pay or Google Pay wallet and you are ready to go.

  • 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.

  • If you meet all the requirements, you can open your bank 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.
1 Buying and selling stocks, ETFs, and ETCs through the N26 app costs €0.90 per transaction. N26 Go customers receive 3 free trades per month, while N26 Metal customers receive 10 free trades per month. Free trades are only valid for stocks, ETFs, and ETCs. Product costs may apply, e.g. ETF management fees and third-party inducements. Terms and conditions apply. These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments etc. These statements also do not constitute an offer to conclude a contract for the purchase or sale of financial instruments. Financial instruments 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. Past performance is not a reliable indicator of future results. A portfolio transfer of fractional shares and fractional ETFs is not possible, so a non-intended sale may be necessary. The values depicted are fictional and for illustrative purposes. The numbers of available stocks and ETFs can vary per market. The reception and transmission service for stocks, ETFs, and other assets is provided by N26 Bank SE, Voltairestr. 8, 10179 Berlin, Germany, CR Berlin Charlottenburg HRB 271697 B in partnership with Upvest Securities GmbH, a limited liability company, Schlesische Straße 33/34, 10997 Berlin, Germany, CR Berlin Charlottenburg HRB 232445 B (execution and custody). The market for crypto assets constitutes a high risk. Crypto assets are subject to high fluctuations in value — declines in value or a complete loss of the money spent are possible at any time. Past performance is not a reliable indicator of future performance. N26 Crypto is powered by Bitpanda Asset Management GmbH. Dircksenstrasse 4, 10179 Berlin | Deutschland | Gericht: Amtsgericht Berlin Charlottenburg | Handelsregisternummer: HRB 258842 B The market for crypto assets constitutes a high risk. Crypto assets are subject to high fluctuations in value — declines in value or a complete loss of the money spent are possible at any time. Past performance is not a reliable indicator of future performance. N26 Crypto is powered by Bitpanda Asset Management GmbH. Dircksenstrasse 4, 10179 Berlin | Deutschland | Gericht: Amtsgericht Berlin Charlottenburg | Handelsregisternummer: HRB 258842 B 2 The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
Open bank account with negative Schufa
Open bank account with negative Schufa
Open bank account with negative Schufa