N26 Standard—your free student bank account

Saving money as a student? Sure, it’s possible—with N26 Standard!
  • no account maintenance fees
  • free virtual card, apple pay and google pay
  • straightforward banking without complicated conditions
  • Intuitive app, perfect for banking on the go
  • simple savings features
Open Student Bank Account
Student in class with a notebook paying attention to her teacher and taking notes.

A student account for smart finances

Say goodbye to waiting times, hidden fees, and paperwork. Get a student account with a virtual card and customer support, 7 days a week — so you can manage your money from anywhere. For a one-time fee of only €10, you can also get a physical debit card.
Open N26 Standard Account
A floating smartphone shows the N26 virtual card on the screen.

Send and receive money instantly

Whether it’s making a last-minute rent payment or splitting the dinner bill —with N26, you can settle up in seconds! Send, receive, and request money from your N26 contacts instantly with MoneyBeam. Plus, use instant payments to transfer money in seconds—no matter which bank account you’re sending it to. And with your new student account, you can save yourself the post-meal hassle with Split the Bill and divvy up shared restaurant bills with just a few taps in your N26 app.
Discover instant payments
MoneyBeam instant transfer screenshot.

Enjoy amazing perks

Only got spare change left? Thanks to N26 Perks, you don’t have to spare yourself the fun. Get exclusive discounts from top brands.

100% digital and secure

N26 has a full European banking license. That means the funds in your student account are protected up to €100,000, so you can enjoy 100% secure, mobile banking!

No hidden costs

100% transparency, 0% hidden costs. Benefit from free payments in any currency—all with our N26 student bank accounts!

Always flexible with your overdraft limit

With your N26 student account, you can set up, adjust, and always keep track of your spending in just a few minutes. With your flexible overdraft credit, you have full control over your finances at any time.

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 Standard customers get 1% p.a.* interest on their savings. Prefer 3%* p.a.? Choose N26 Metal.
More about the Instant Savings account
Image showing 1% interest rate for savings accounts and a woman dressed in blue holding a cell phone in the background.

Master your spending with Insights

Meet N26 Insights, the smart feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on shopping, groceries, and more—all it takes is a quick glance to stay on track with your monthly budget. See where your money went last month with the Monthly Wrap-Up, so you can fine-tune your spending habits. Plus, with a clear overview of your upcoming regular payments, it’s easy to plan ahead and stay on top of your finances.
Learn about budgeting

Extra flexibility when you need it

Going on a spontaneous weekend trip, buying a last-minute birthday gift, or suddenly flying home to be with family? With N26 Installments, you get more financial flexibility to handle the unexpected costs of whatever life throws at you, without blowing your budget.And if you have money left over for investing, you can put it into stocks, ETFs, and crypto directly in the N26 app — simple, convenient, and easy to use!
The image shows a collage of 4 photos with a mother and a son celebrating a birthday, a couple traveling, a dinner, and couple renovating a room.

Find out what documents you need to open your N26 account

We aren’t huge fans of paperwork — or of making you waste your time looking for the information you need. To make it easier for you, we explain here in detail what identity documents you need to open your N26 bank account, depending on your nationality.
See list of documents
woman working on a desk with a laptop and several document and taking some notes.

Switch banks the easy way with N26

We’ve partnered with Qwist to make switching accounts easier than ever. Here’s how it works:
  1. Open an N26 account on the N26 mobile or web app
  2. Head to My Account and scroll to Switch to N26. Alternatively, use the N26 bank account switching website, and log in with your old bank details.
  3. Qwist will automatically recognize your direct debits, incoming payments and standing orders—simply select the ones you want us to transfer to your N26 account.
  4. Confirm the account switch—and you’re done!
Open N26 account
Laptop with desktop version of N26 on a black table.
n26 standard card.
n26 metal card.
n26 you card.

Find your perfect student bank account

Ready to open your student bank account with N26? Compare our premium plans and sign up online in minutes—all you need is some WiFi, your ID, and your smartphone. No paperwork needed!
Open Student Bank Account

FAQs

    A student account is a bank account specifically tailored to the needs of students. It typically offers specific advantages that cater to the financial situation and lifestyle of students. These benefits may include lower or no account maintenance fees, free ATM withdrawals, a free credit card, an increased overdraft limit, or special offers for young customers.

    Opening a student bank account with N26 is as easy as 1-2-3.
    1. Go to n26.com or download the N26 mobile app.
    2. Choose the type of bank account you want, and sign up online in minutes. You’ll need to verify your identity with a valid ID.
    3. Top up your student bank account instantly, and start using your new N26 Mastercard with Apple Pay or Google Pay—even before it arrives in the mail!

    While many banks require an enrollment confirmation as proof of your studies, with N26 you only need a valid identification document to open your student bank account.

    A student account comes with a number of benefits. With an N26 student bank account, you’ll have access to free features to save and budget the easy way. Our Statistics feature neatly categorizes your spending in categories such as “Food & Groceries” or “Shopping.” On top of that, you’ll enjoy free ATM withdrawals and get exclusive discounts at popular brands such as FlixBus, Reebok and GetYourGuide. Plus, an N26 student account is completely free of charge!

    In general, student accounts usually remain valid for the duration of your studies. Once you have completed your studies or finished your enrollment at the university, the special conditions and benefits of the student account might end. However, with N26, you keep all the favorable conditions even after your studies!

    The cost of a student bank account depends on the bank you choose. Some banks ask users to top up their balance immediately when opening their student bank accounts. This is sometimes referred to as a ‘minimum opening deposit.’ Other banks will charge you a monthly fee that’s automatically deducted from your account—so-called ‘maintenance fees’. With a free N26 student account, you won’t have to worry about maintenance fees or minimum opening deposits. In fact, you can open an account directly in the N26 app in just minutes—it’s fast, simple and 100% paperwork-free. And, N26 is a fully licensed, 100% mobile bank, meaning your money is protected up to €100,000 just like with traditional banks.

    There is usually no specific limit on the amount of money that can be held in a student account. Student accounts are generally regular bank accounts that are offered specifically to students, and there are no restrictions on the account balance.

    Whether you can open a student bank account without your parents depends on the laws of the country you’re living in. In general, you’ll need a parent or guardian’s consent to open a bank account if you’re a minor. With N26, you can open a student bank account without a parent as soon as you’re 18 years old. Check the eligibility requirements here.

    It all depends on your situation. If you’re looking for a free student bank account, our online free account N26 Standard is the perfect choice. You’ll get a virtual N26 Mastercard to use with Apple Pay or Google Pay, a local IBAN to easily pay bills, and you can send, receive, and request money between other N26 friends for free with N26 MoneyBeam. If you’re looking for a student bank account that’s packed with easy-to-use budgeting and savings features, look no further than N26 Smart. You’ll get a contactless N26 Mastercard in your choice of color, even more free ATM withdrawals, and N26 Perks discounts from brands you love. Plus, you can create up to 10 Spaces and Shared Spaces sub-accounts to put money aside to save and budget for different projects, goals, or expenses—by yourself, or together with up to 10 others. It’s the perfect all-rounder for only €4.90/month.

    A blocked account is a special type of account required in some countries for international students to prove their financial capability during their studies. This account serves to ensure that you have sufficient financial resources available during your stay to cover living expenses and tuition fees. The N26 student checking account is not a blocked account.

Learn how to manage your finances as a student

Woman lying on a sofa looking at her mobile and man working on his computer.

12 ways to save money on a college student budget

Use these 12 tips to save money and reach financial independence while you’re still in school

Hole punch, slinky, and a notepad.

What is the cost of attendance at university in the EU?

It’s important to consider the cost of attendance when studying at university. From tuition fees to living costs, here’s everything you need to know.

A text "ATM" against a red background.

Banking Basics: all about ATM cash machines

ATMs have a solid concept: type PIN, get money. But if you’ve ever wondered what comes next, this guide holds the answers.