How to top up your N26 account with Giropay

Whether you want to increase your account balance or need to cover an upcoming expense—you can top up your N26 account instantly with Giropay. Read on to learn what Giropay is and how it works.

3 min read

Congratulations! You’ve taken the plunge and opened an N26 account. Want to increase your account balance before the end of the month to finance summer travel or make sure your rent is covered? No matter what your plans are—with Giropay, you can effortlessly deposit funds into your N26 account in seconds. Read on to learn what Giropay is, what its benefits are, and how to use it to top up your N26 account.

What exactly is Giropay and how does it work?

Giropay is an online payment method developed by several German banks in 2005 to facilitate secure electronic payments. With Giropay, you can easily top up your N26 account in real-time. Say goodbye to the days of logging into your other bank account, entering tedious transfer details, and waiting up to two days for the money to arrive. Simply open your N26 app, choose the amount you want to transfer, and send it to your N26 account—Giropay takes care of the rest!

Send money safely and easily with Giropay

With Giropay, you can top up your N26 account within seconds—24 hours a day and 7 days a week. Thanks to instant payments, your funds will be available immediately. This service is especially handy when you’ve got a brand new N26 account and want to start using it right away. Plus, if your account balance is low and you’re expecting a direct debit, you can top up your N26 account balance in an instant and avoid troublesome overdraft fees.

On top of all that, the details of the account you’re sending funds from are encrypted and will never be saved in the N26 app. In fact, you won’t even need to enter any of the sending bank’s details in your N26 app—giving you extra peace of mind. Learn more about our security measures and tips for secure mobile banking here

How to deposit funds into your N26 account with Giropay 

  1. Open your N26 account in minutes and verify your identity.
  2. Log in to your account via your mobile app, or via the N26 web app.
  3. Tap on ‘Add money’ on the home screen. You’ll see a list of options to top up your N26 account. 
  4. Choose ‘Giropay’ and enter the transfer amount.
  5. Confirm your name and the payment.
  6. You’ll be redirected to the Giropay website to enter the name or SWIFT/BIC code of the bank from which you’re sending money. Then, confirm your payment via Giropay—and that’s it! 

Please note: You can deposit up to €450 with Giropay into your N26 account per calendar month. The minimum amount is €20, and your very first deposit is free. We’ll then charge 3% of the transaction amount for all following deposits. This fee covers the costs of making your funds immediately available to your N26 account. 

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Your money at N26

Life is full of surprises—but with N26, you’ll always be well prepared. Top up your N26 account with Giropay right after opening it and start using your account immediately. Plus, you can start using your virtual Mastercard debit card right away—it’s accepted worldwide for payments in any currency! 

But there’s much more to N26 than just 100% mobile banking and instant payments. With N26, you’re always in full control of your finances. N26 Insights automatically categorizes your monthly spending—so you can see at a glance where your money’s going. And, as a premium customer, you can create up to 10 Spaces sub-accounts for your personal savings goals. Discover all these benefits and more—find the bank account that fits your lifestyle best!

What is Giropay?

Giropay is an online payment method you can use to top up your N26 bank account balance.

How does Giropay work?

Giropay is a payment interface. When topping up your N26 account balance, you’ll be redirected to the online bank account from which the funds are being sent, so you can make the transfer with just a few taps. With N26 Giropay transfers, there’s no need to issue a standard bank transfer or enter private account details in-app.

Can I top up my N26 account with Giropay?

Yes, you can safely add money to your N26 account in an instant with Giropay. Simply open your N26 app, tap on ‘Add money’ and then ‘Giropay’. Choose an amount between €20 and €450 and follow the instructions.

Does N26 charge fees for using Giropay?

When you deposit funds into your N26 account for the very first time, we won’t charge you any fees. For all following deposits we’ll charge 3% of the transaction amount. Tip—when topping up your N26 account balance for the first time, choose the maximum amount of €450 to fully benefit from the first free transaction.

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