N26 Standard

Your 100% mobile, free bank account*

Transfer, receive, and manage your money via the mobile N26 app. Open your free bank account in just 8 minutes—directly from your smartphone. No paperwork, stress, or waiting times. Just intuitive, easy mobile banking that works.

N26 banking app showing a virtual mastercard on a light green background with Forbes best bank logo.

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

+7 Million
Customers
25
markets
8 minutes
to open a bank account
280,000+
5-star app ratings on iOS and Android
Virtual card.

Your virtual N26 Mastercard, accepted worldwide

Your free bank account comes with a virtual N26 Mastercard—you can start using it as soon as your account is set up. Link it to Apple Pay or Google Pay to make payments in stores, online, or in apps. And if you need cash, make up to 3 free withdrawals per month—simply find your nearest ATM equipped with a contactless reader.

Prefer plastic? No problem. Order your own physical N26 Mastercard straight from your N26 app for a one-time delivery fee of €10.

Instant bank transfers made easy

Your free bank account comes with MoneyBeam, the feature that lets you send, receive, and request money instantly with other N26 customers. You don’t even need their bank details—just a phone number or email address will do!

Need to get money into your N26 account urgently? Your N26 Standard bank account is able to receive SEPA Instant Credit transfers from other banks, so you’ll have the money in your account in seconds.

Learn about Instant payments
Instant payment.

Relax with full security

Mastercard 3D Secure

Shop online securely and comfortably with Mastercard 3D Secure—two-factor authentication keeps your account safe from unwanted transactions.

Push notifications in real-time

Get an instant push notification every time money enters or leaves your account, so you always know what’s going on with your balance.

Biometric authentication

Add an extra layer of security every time you log in to your N26 app with fingerprint identification or facial recognition.

Protection up to €100,000

N26 is a fully licensed European bank. Thanks to the statutory Deposit Protection Scheme, the money in your free bank account is protected up to €100,000.

Reach your savings goals with Spaces

Finally, make saving second nature with Spaces. With any N26 premium account, you’ll get 10 Spaces sub-accounts. Give each one a unique name and savings goal, and instantly add money from your main account with just a few taps.

Create a standing order with Rules to automatically transfer savings amounts to a space. Or try Round-Ups, the feature that rounds up every card payment to the nearest euro and stashes away the difference.

Manage Spaces sub-accounts

Understand your spending with Statistics

Learn exactly where your money’s going every month with Statistics. This feature categorizes all your expenses automatically and displays them to you in a neat overview, so you can learn how to optimize your budget and save money in the future.

Smartphone or desktop?

Your choice! Access your free bank account 24/7 via the mobile app or the N26 WebApp.

View your full account history

Export your transaction list from the N26 WebApp as a CSV or PDF file. Or download your account statements directly in the N26 app.

Customer Support you can rely on

Do you have a question about your free bank account? Whatever the issue, our skilled Customer Support team is happy to assist you—in German, English, Spanish, French, or Italian! Just use the in-app chat function in your N26 app or browse through the FAQs in our Support Center.

Go to Support Center
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 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.
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.

Frequently asked questions

What do I need to open a free bank account with N26?

You must meet the following requirements to open an N26 Standard account:

  • Be over the age of 18
  • Live in an eligible country
  • Have your own smartphone
  • Not yet have an online account with N26
  • Have a valid ID

Find more information about opening an account here.

How can I open a free bank account with N26?

First, you must meet all the requirements to open your free bank account with N26. If you do meet all the requirements, then simply sign up for your account via the N26 website or download the app on your smartphone.

There’s no paperwork when you open your N26 Standard online account and it only takes a few minutes. Just have your valid ID on hand. As soon as you’ve verified your identity, you’ll receive your virtual N26 Mastercard and can start using it right away.

What are the benefits of the free bank account from N26?

N26 Standard is a 100% mobile, free bank account that allows you to manage your daily finances all in one place. Transfer, receive, and manage your money online whenever and wherever you are. Accept SEPA Instant Credit transfers from other banks at no extra cost and see the money in your N26 Standard account in seconds. Plus, MoneyBeam lets you send, receive, and request money among other N26 customers, all in real time and completely free.

As soon as you open your account, you’ll receive your virtual N26 Mastercard. Link it to Apple Pay or Google pay and use it to pay in stores, online, or in apps. You can even make up to 3 free ATM withdrawals per month at any ATM equipped with a contactless reader. What’s more, you’ll never be charged an extra fee for paying in a foreign currency.

How much does the N26 Standard online account cost?

N26 Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account.

If your balance is over €50,000, you may be charged a 0.5% p.a. Deposit Fee on this balance. Read more about this in our General Terms and Conditions.