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.

Woman holding a smartphone showing the N26 App and a green boom in the background.
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.

Explore sub-accounts
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.

Go to 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?

How do I open my N26 Smart account?

What are the benefits of an N26 Smart account?

How much does N26 Smart cost?

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