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
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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
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Grow your money

Earn interest on your savings — calculated daily and paid out monthly.
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Truly free stock and ETF trading

Invest in stocks, ETFs, and ready-made funds managed by experts with no fees**. Explore 350+ crypto coins***. Then put it all on autopilot with our flexible investment plans.
Start investing
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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 bank* 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

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.

*The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. ** 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. *** 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.