Start banking today
No trips to the branch or waiting for letters. Open your account from your phone and get a virtual card and German IBAN in minutes.
No German? No problem.
Set your app to English, French, Spanish, Italian, or German and get 24/7 chat support you can really understand.
Get a +49 number from day one
Choose from three fast, flexible plans and activate your eSIM in the app — that’s one more thing checked off.
Easily send money home
Make international transfers in 40+ currencies with no hidden fees — powered by Wise.
Build your nest egg
Bank, earn interest flexibly*, and invest in stocks and ETFs with no trading fees.** All in one beautifully simple app.
Open bank account
*Instant Savings Account is subject to the Terms and Conditions, available here: https://n26.com/en-de/legal-documents/instant-saving. Interest rates may vary depending on your plan and over time. Interest earned is taxable under German law. Interest is accrued daily and paid into your Instant Saving account on the first day of each month.
**Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
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. A portfolio transfer of fractional shares and ETFs is not possible, so a non-intended sale may be necessary. The values depicted are fictional and for illustrative purposes. The numbers of available Stocks and ETFs can vary per market. Not all of the services mentioned may be available in your country.
FAQs
Yes! We’re a digital bank with a full German banking license and millions of customers across 24 countries.
By law, the funds in your account are protected up to €100,000 through the German Deposit Protection Scheme. We’re fully hosted in the cloud and use artificial intelligence to fight financial crime and card fraud. We also secure every transaction with passcodes and Face ID or Touch ID technology, as well as confirm every customer’s identity when opening an account. Learn more about our security here.
You’ll need government-issued ID, for example, a passport. You'll also need a smartphone to use your account, and must be a resident of a country we operate in.
The N26 Standard bank account is free and there are no opening or maintenance fees. N26 Smart costs €4.90 per month, N26 Go costs €9.90 per month, and N26 Metal is €16.90 per month. No deposit or minimum income is required to open an account.
The Small mobile plan comes with 10 GB of data and costs just €9.99 per month. Medium comes with 30 GB and costs €16.99 monthly, and the Large plan with 100 GB costs €29.99 per month. All N26 SIM plans come with unlimited calls and SMS within Germany and free roaming within the EU/EEA. When traveling outside othe EU/EEA, international roaming charges will apply. You can view the roaming price list here.
Sending money abroad with N26 is simple and intuitive. You can choose from a variety of different transfer types — from bank transfers and SWIFT payments to debit or credit card transfers, and much more — for a low, transparent fee. To send money internationally, simply open your N26 app, tap ‘Send money’ on the Home tab, and select ‘Foreign currency transfer’. You’ll be guided through the steps to complete your transfer the quick and easy way.
You don’t need a Wise account to send money internationally, as we’ve has partnered with Wise so you can make foreign currency transfers directly in the N26 app.
Some payments will be processed instantly, and most will be completed in one business day. However, this can vary depending on the currency. When you enter your transfer details, we’ll give you a quote and estimated arrival for different transfer options.