Learn more our business fundamentals, robust regulatory foundations, and ongoing commitment to driving long-term value.
About the N26 strategy
N26 is on a mission to build Europe’s most trusted digital primary bank. We are a fully digital institution combining focused European relevance with advanced, customer-centric mobile experiences. Operating under European regulations, we deliver banking that’s defined by true bank rigor.
Driven by a diverse revenue model, N26 scales tailored, customer-centric products across Europe to become our customers' primary bank — built on digital trust and bank rigor.
Our core product pillars
Payments
The foundation of our digital banking experience. We drive everyday banking journeys through seamless spending, global transactions, and secure accounts designed to serve as our customers' primary bank.
Subscriptions
Flexible membership tiers tailored to diverse financial needs. We provide customers with advanced money management tools, priority support, smart sub-accounts, and exclusive lifestyle benefits.
Lending & Investing
Empowering customers to build long-term wealth and access liquidity on demand. We offer in-app trading with Stocks, ETFs, Crypto, and ready-made funds, alongside Instant Savings and transparent credit options.
Partner Services
A seamless connection to the wider financial ecosystem. By integrating third-party solutions directly into the N26 app, we offer a comprehensive, holistic financial experience in one place.
Our governance structure is designed to support sustainable growth, prudent risk management, and compliance with applicable regulatory standards.
N26 leadership
N26’s Management Board runs daily operations, overseen by an independent Supervisory Board. Together they bring strong banking, tech, regulatory, and markets expertise for robust governance.
Our fully digital bank makes managing money simple and secure. Our sustainability approach focuses on measurable, transparent progress across three pillars: Environmental, Social and Governance (ESG).
Get in touch
To reach our Investor Relations team, please contact ir@n26.com.
For all media and PR inquiries, please contact press@n26.com.
FAQ
No. N26 SE is currently a privately held company. Our shares are not listed or traded on any public stock exchange.
Since its founding, N26 has raised more than €1.8 billion from leading global investors.
Because N26 is a privately held entity, our shares are not publicly tradeable, and there’s no direct mechanism for retail investors to buy N26 equity. Institutional investors with specific inquiries may contact ir@n26.com.
N26 files its statutory annual financial statements in accordance with applicable legal requirements and in the relevant company and commercial registers.
Yes, N26 is profitable. N26 achieved its first full year of profitability in 2025 and is continuing to strengthen its diversified business model.
N26 generates revenue through a diversified business model built across five primary pillars: subscription plans, payment transactions, lending, investment products, and integrated partner services.
N26 has more than 5.6 million revenue-relevant customers across 24 markets.
N26 holds a full banking license issued by BaFin (Germany's financial regulator) and is jointly supervised by the Deutsche Bundesbank. Customer deposits are covered by the statutory deposit guarantee scheme up to €100,000 per depositor, under the EU Deposit Guarantee Schemes Directive.
N26 operates under the legal form of a European Company (Societas Europaea, SE), reflecting our pan-European identity and commitment to transparency.
We have built a fully digital bank to make managing money simple, secure, and accountable. For us, sustainability is an extension of that mission. It is about measurable, transparent progress across our three core pillars: Environmental, Social, and Governance (ESG). We are committed to making a positive impact through our branchless digital model, our inclusive culture, and our commitment to responsible banking.
