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.
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 Smart debit card to Apple Pay or Google Pay, and start spending before your physical card arrives.
Discover your Mastercard
Start earning interest
No deposit limits,** simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.N26 Smart customers get 1% p.a.* interest on their savings. Prefer 3%* p.a.? Choose N26 Metal.
More about the Instant Savings account
*N26 Instant Savings account interest rates are based on your N26 membership: 1% p.a. for Standard and Smart, 1.3% for You, and 3% p.a. for Metal (before taxes), as of 1.8.2024. Please note that rates per membership are variable and can be changed by N26 over time.
**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
Stocks and ETFs the simple way
How about investing in your future without having to leave your banking app? With N26, you can buy stocks and ETFs right from your phone. Get 15 free trades every month when you upgrade to N26 Metal — and 5 with N26 You.You can also set up a fully-flexible automated investment plan — available for free with all our stocks and ETFs.
Discover Stocks and ETFs
Stay on top of your finances with Spaces
Pay via card from your Spaces
Keep track of your expenses by linking your N26 Mastercard to a Space of your choice—and easily set and stick to your holiday budget.
10 sub-accounts with individual IBANs
Receive and make SEPA transfers or set up direct debits and standing orders to pay subscriptions, invoices, or your rent—directly from your Spaces.
Save automatically with Round-Ups
Save money regularly—and without even noticing—by activating Round-Ups. Every time you pay with your card you’ll save the change in a Space of your choice.
Automatically sort your income into Spaces
With Income Sorter, you can automatically set aside a portion of your incoming transfers into your Spaces. Put aside enough money for bills and your next vacation without having to think about it.
Treat yourself with N26 Perks
Sign up for N26 Smart, and unlock access to special offers from world-class partner brands. With new deals from the likes of Booking.com, Adidas, and HelloFresh, benefit from generous discounts all year round.
View partner offers
Simple. Fast. 100% flexible.
Forget waiting in line at a bank, or inconvenient branch opening hours. An N26 Smart bank account 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.
Open online bank account
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—we’re there for you 7 days a week. You can also visit the N26 Support Center to find helpful tips at any time.
Visit our Support Center
Secure online banking
Protected up to €100,000
With N26’s German banking license, your money is fully protected up to €100,000 by the German Deposit Protection Scheme.
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.
FAQ
- 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.
- 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 WebApp 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 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.
You can open your mobile N26 account online in minutes from your phone or the N26 WebApp—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 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 Insights, 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.
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 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.
With N26, you can only have one active 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, 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 change banks with our service.
You love your mobile N26 bank account so much that you want to invite friends to discover the benefits of N26 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 mobile 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 5 stunning colors. Plus, you can also get a free virtual card with its own card number—for even more safety when you’re shopping online.