N26 Standard

A free* bank account—100% mobile and flexible

The standard N26 account is a checking account at no extra cost. Manage your account from your smartphone and discover modern banking. Start making free mobile payments before your physical card arrives.

Standard N26 card on top of a brick.

*Up to €50,000 balance, after which a deposit fee of 0.5% p.a. may apply. Please find the Terms & Conditions here.

N26 You Timeline Feature in App.

Your bank account with N26

N26 offers a free online bank account that you can open from your smartphone in less than 8 minutes. Benefit from free withdrawals at ATMs, contactless technology and free payments in all currencies—wherever you are in the world. Smart features like automatic categorization of your spending and real-time push notification help you keep track of your finances. All of this at zero cost.

Transparent N26 Mastercard Debit

With your N26 account you receive a transparent Mastercard Debit, accepted all around the world. Thanks to contactless technology you can use your N26 Mastercard for contactless payments. Add it to Apple or Google Wallet to use mobile payments, even before your physical card arrives.

A transparent N26 Standard card.

N26 Smart—spend and save with confidence

Discover N26 Smart, our newest premium bank account. Unlock access to 10 Spaces sub-accounts, including Shared Spaces to easily save together with others. Plus, get a colorful Mastercard debit card, 5 free ATM withdrawals in Germany, unlimited free ATM withdrawals while traveling within the Eurozone, and zero foreign transaction fees when spending in foreign currencies. And if you ever need help, we’ll always only be a dial away with your premium Customer Support hotline.

Smartphone and an N26 card.
Smartphone with the N26 Spaces open on it.

Save with Spaces and reach your goals

Spaces is a N26 feature that lets you create your own sub-accounts to better organize your finances and save money. Create a space with just a few clicks, set a savings target and follow your progress.

As an N26 You or Metal customer you can also invite up to 10 other N26 users to your Space. This makes saving up together and managing common expenses a breeze!

Discover Spaces

Free withdrawals at ATMs

Why pay fees? With an N26 Standard account you can withdraw money from ATMs for free, between 3-5 times a month. Abroad you can withdraw as often as you want with no additional fees. Using CASH26 at one of our over 11.500 partner shops (such as Rewe, dm and Penny) you can also withdraw cash for free, while doing your shopping.

Secure online banking with N26

Mastercard SecureCode - Icon - N26 Security.

Your N26 account is 3D Secure

3D Secure (3DS) protects you when making purchases online. With Mastercard Identity Check, your online card payments are extra secure so you have one less thing to worry about.

Push-notifications in real-time

With real-time push-notifications after every transaction—whether you're paying in store or online, receiving your salary, or withdrawing money from the ATM—you'll always have an overview of your financial movement.

Full control of your card

You can easily adjust the security settings of your N26 account directly in the app—no paperwork needed. Lock your card if you lose it (and unlock if you find it), change your PIN and allow foreign payments when you're abroad. With N26 online banking becomes hassle-free.

Faster login with fingerprint authentication

Additional safety measures keep your account safe: open your N26 app with fingerprint identification or face recognition, and protect it from unauthorized access. With biometric authentication, you can easily authorize payments for your online purchases without having to enter your PIN every time.

N26 Bank Account Moneybeam example transaction.

Headache-free instant payments

After signing up, instantly top up through a debit card to get money into your account. Make bank transfers for free using N26 MoneyBeam in real-time – send, receive or request money from your contacts listed in the N26 app, or to new ones with just an email or phone number.

Need to get funds into your account straight away? Avoid the worry, and receive incoming payments with SEPA Instant Credit Transfer in seconds.

Track your expenses with Statistics

Your salary comes in, you pay for your coffee with card (or your mobile phone) and transfer money to friends—your free bank account tracks and recognizes your transactions. Thanks to automatic spending categorization, always receive an up-to-date overview of your current expenses.

With #tags, you can further personalize the system. And when you go to file your tax return, simply export your transaction history as a CSV file via the WebApp.

N26 Bank Account categorising transactions for statistics.

N26 Metal – the new generation premium account

Enjoy our exclusive premium banking experience with a stainless steel Mastercard, an extensive insurance package that includes mobile phone insurance, fee-free ATM withdrawals worldwide and zero foreign transaction fees around the globe.

Upgrade to Metal
A hand holding a credit card.

The N26 web app

Banking on the big screen

You might feel more comfortable with a bigger screen when you want to make important payments or get a good overview of your finances. N26 also offers a web app that lets you check your account information and transactions.

Download your transaction list

The web app also lets you print or download your transaction list and bank statements in PDF or CSV format. That makes it easier to file for tax returns!

Fee-free foreign currency transactions

We don’t charge any extra fees for transactions in foreign currencies. So when you use your N26 Mastercard abroad you don’t have to worry about bad surprises. Payments are always for free with N26, no matter which currency. You also always profit from the real Mastercard exchange rate.

Laptop with desktop version of N26 on a black table.

Free account switching

Many don’t switch their bank, even though they’ve been unhappy for a while. Why? Because it’s too complicated. Together with finleap we do all the work for you: finleap automatically transfers all your standing orders, direct debits and incoming payments to your N26 account, for free! Learn more here.

N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

An account that fits in with you

Ready to discover mobile banking? Compare our bank accounts now to find the one that fits you best. Choose between our free standard account and the N26 premium accounts, or opt for a business account if you’re a freelancer. Open your account directly on your smartphone in less than 8 minutes and discover modern banking.

We are here for you—in 5 languages

Our N26 Support team is available for you in 5 languages via email or chat. Whenever you have a question or encounter a problem, they’re always on-hand to help.

N26 Bank Account Customer Service Chat in App.

Frequently asked questions

Is N26 a real bank?

N26 is the Mobile Bank. We operate with a full European banking license, and offer a free standard account, N26 You and Metal premium accounts, as well as business accounts for freelancers and self-employed. Our customers can manage all their banking transactions simply, easily and securely via a smartphone, and receive a Mastercard debit for free.

Is N26 secure?

N26 operates with a full European banking license, which protects your N26 account up to €100,000, under EU law directives. With 3D Secure, Mastercard Identity Check and fingerprint and face recognition, the security of your online payments is always guaranteed.

What are the benefits of using the free checking account?

The free bank account lets you manage all your finances under one app, whether at home or traveling. In addition, we don’t charge you any hidden fees when withdrawing money from an ATM, or when making payments in foreign currencies. Alongside getting instant push-notifications after every transaction, benefit from Spaces sub-accounts for better saving, automatic spending categorization with Statistics, and the ability to make and receive immediate funds from other N26 customers with MoneyBeam.

With N26 You and N26 Metal you can also withdraw money at no fees worldwide, and enjoy exclusive benefits such as discounts. On top of this, premium accounts come with an extensive package of travel and lifestyle insurance, courtesy of Allianz.

How much does it cost to open an N26 bank account?

With our standard account you will receive a free checking account—without having to pay anything. An N26 You bank account costs €9.90 per month, and the N26 Metal account costs €16.90 per month. If you opt for a N26 premium account, you commit to at least 12 months. You don’t need a steady income or a minimum deposit to open an account.

Up to €50,000 balance, after which a custody fee may apply.Please find the Terms & Conditions here.

How to open an N26 bank account?

If you meet all the requirements, you can open your checking account with N26 for free and within minutes. All you need is a smartphone and your photo ID. It's easy with our digital authentication process. Download our app to open an account—you don’t even need a minimum deposit amount.