N26 Standard — the free bank account you’ll love

Ideal for your everyday needs. Get a virtual card immediately, two free domestic ATM withdrawals per month, and 24/7 chat support.
Open Bank Account
The image shows a smartphone with an N26 digital card displayed on the screen. Next to the phone are two buttons: one labeled "Add Money" with a plus symbol, and the other labeled "Send Money" with an arrow. In the top left corner, there is an icon of a wallet labeled "Main Account.".

You deserve hassle-free banking

Here’s a quick look at what you get with Standard.
A person uses a smartphone with an N26 digital card to make a contactless payment at a terminal. A bottle and payment symbol are visible nearby.

Free virtual card


Pay with a tap of your phone. You may also order an optional physical Mastercard debit card for €10.

Show me virtual cards
A person holds a smartphone displaying an N26 account overview, showing a balance of €1,234.56. Icons for sending and adding money are visible, with transaction details below.

100% digital banking

Get your free online bank account in minutes with no paperwork.

Open bank account
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24/7 chat support

Chat to Customer Support in English, French, German, Italian, or Spanish — right in the N26 app.

Visit Support Center
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Free ATM withdrawals

Make up to two free domestic ATM withdrawals per month.

Learn about withdrawals

Let’s make this perfectly clear

If you prefer a card you can hold in your hand, order the iconic N26 transparent card for €10.
A woman holding a mobile with a virtual N26 card and a N26 transparent card.

N26 is simply secure

Pay it safe — we make sure your account is in safe hands. 
Security your way

Effortlessly change your PIN, set spending limits, and hide your data in the app.

Extra layers of protection

Biometric authentication and 3D secure keep your account and your money safe.

Lock and unlock your card

Instant control over your card is in your hands.

Bank, save, and invest — in one app

Get 1% interest p.a.* on your savings, invest in stocks and ETFs,** buy crypto,*** and manage your everyday banking — all with N26.
Explore our savings account

Keep track of your budget

The N26 app automatically categorizes your spending to make it easier for you to stay on budget. You also get to see your upcoming payments at a glance so there’s no surprises.
Learn more about budgeting

Open your account now

Open your N26 bank account in minutes and with no paperwork — from your phone or our website. Want more? Upgrade to N26 Smart, You, or Metal to enjoy Spaces sub-accounts, savings automations, insurance, and more.
Open Bank Account
Compare N26 accounts
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*N26 Instant Savings account interest rates are based on your N26 membership: 1% p.a. for Standard and Smart, 1.3% for You, and 2.5% p.a. for Metal (before taxes), as of 08.11.2024. Please note that rates per membership are variable and can be changed by N26 over time. **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 and ETFs. These statements also do not constitute an offer to conclude a contract for the purchase or sale of stocks and ETFs. Stocks and ETFs 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. The values depicted are fictional and for illustrative purposes. ***The following statements do not constitute investment advice or any other advice on financial services, financial instruments, financial products or digital assets. They are intended to provide general information. The following statements do not constitute an offer to conclude a contract for the purchase or sale of financial instruments and financial products or an invitation to submit such an offer and to buy or sell any particular digital asset. Cryptocurrencies are subject to high fluctuations in value. A decline in value or a complete loss are possible at any time. The loss of access to data and passwords can also lead to a complete loss. ****The market for crypto assets constitutes a high risk. A complete loss of the money spent is possible at any time. N26 Crypto is powered by Bitpanda Asset Management GmbH.

    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 account with N26
    • Have a valid ID
    • Be able to verify yourself in one of our supported languages: English, German, Spanish, Italian, or French
    Find more information about opening an account here.

    First, you must meet all the requirements to open your free online 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.

    N26 Standard is a 100% online 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 for contactless payments in stores, online, or in apps. You can even make up to two free ATM withdrawals per month at any ATM equipped with a contactless reader. If you'd rather have a physical debit card, that's no problem — just order your transparent N26 Mastercard for a one-time delivery fee of €10. Plus, thanks to the Insights feature, you'll also learn more about your spending habits, which can help you manage your finances even better.

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

    You can easily switch your bank account to N26 from almost every German bank. Just type in the name of your current bank into our account switching service. Discover how to switch banks with our free tool.

    At N26 we offer the free N26 Standard account. You get an account with no maintenance fees or minimum balance. You also get a virtual Mastercard, which you can use for online purchases and mobile payments via Apple Pay or Google Pay. You also have the option to open a paid N26 account and get access to more features and benefits. N26 Smart lets you add up to 10 sub-accounts and use innovative savings features, while N26 You offers travel insurance benefits and free international withdrawals. And with N26 Metal, you get our ultimate premium account, including an elegant stainless-steel Mastercard, smartphone insurance, and priority customer support. Open your fully mobile, online bank account in minutes — directly from your phone — and start banking from anywhere.

    Yes — with N26 Standard, you get a bank account without any maintenance fees. This means that you don’t pay a monthly fee for the account, although you may also incur other costs when using your N26 account. For example, there might be costs for an overdraft interest payment, chargeback fees for direct debits that bounce, or foreign transaction fees. That means that the costs for your N26 account depend on how you use your account and which services you use.

    If you’re looking for an account with no maintenance fees and no minimum deposit, our N26 Standard account is perfect for you. You'll benefit from a fully online bank account with a virtual Mastercard that you can use to pay via Apple Pay or Google Pay — both online and in stores. You'll also enjoy access to the Insights feature, which helps you keep better track of your spending and find places where you can save more. However, with an N26 account, fees may apply for various services. These include, for example, fees for direct debits that bounce or the interest that accrues on an overdraft. You can find more information about the costs of our accounts and services in our detailed price list.

Find out more

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