N26 joint account

Your finances — ‌better together

Life is better shared, and your money is no exception. Manage all your finances in one place with your personal account and joint account at N26.N26 joint accounts come with dedicated IBANs, handy insights, and user-friendly features to make managing your own and your shared finances easier than ever.
Maya and Marco are sitting in a park. Maya is holding her N26 card while Marco is looking at his mobile. In the foreground, a pop-up displays the balance of their joint account.

What is an N26 joint account?

The N26 joint account is an easy-access shared bank account for two people. It has a dedicated IBAN that you can use to manage your shared finances — set up recurring payments for shared bills like rent and utilities, and link your N26 card to make payments with your shared money.If you already have a personal N26 account, you may open a maximum of one joint account with one other person. It only takes a few minutes and you can do it right in the N26 app.
Marco et Maya s'embrassent en plein air. Marco tient sa carte N26 et Maya son mobile. Au premier plan, une fen�être pop-up affiche les frais de loyer et une autre montre le dépôt de Marco.

Pay directly from your joint account

Simply link a virtual or physical N26 card to your joint account to enjoy easy, contactless payments from your shared finances. Use it to pay for groceries, shared bills, and more.
N26 app showing the amount of money in a joint account, a Standard account card, and the "Deutschland Beliebteste Banken" badge by Focus Money.

Track your budget — together

N26 Insights make tracking your budget and spending habits easy, even when you’re sharing your money.Enjoy 100% transparency as you achieve your shared financial goals. Filter your expenses by participant, and use our budgeting features to keep your shared finances in check.
Marco and Maya are checking their joint account. In the foreground, a pop-up displays a bar graph showing the monthly balance of the joint account.

Share the benefits of your joint account

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100% digital

Get your joint account with a dedicated IBAN in minutes — no stress, no paperwork, no waiting times.

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Easy to use

Enjoy the same simplicity of your personal N26 account, including fast, real-time transfers.

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100% transparent

Both account holders benefit from filtered insights and budgeting features to keep your shared finances on track.

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Full control for both

Each account holder has full legal ownership of your shared finances, so you’re in full, equal control.

How to open your joint account

  1. Open a personal N26 account if you don’t have one already
  2. Head to the ‘Finances’ tab in your N26 app and select ‘Joint Account’
  3. Choose one of your contacts and invite them to open a joint account with you
  4. After they accept, you both need to confirm the terms and conditions
  5. That’s it! It’s time to explore your joint account

Your money is protected

N26 is a fully-licensed German bank. That means the money in your bank accounts — including the shared money in your joint account — is protected up to €100,000 by the German Deposit Guarantee Scheme.
See how N26 is simply secure
Two mobile phones displaying the N26 joint account interface, placed on a red duvet.

Enjoy special deals with N26 Perks

Tap into extra benefits with your N26 joint account, including a wide range of offers from our curated selection of brands. Cook up a storm for less with a discount on HelloFresh, avoid cooking altogether with deals on Wolt, or build your ideal home together with Westwing. Perks are regularly updated so you can treat yourselves to generous discounts all year round.
View partner offers
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  • How many people can use a joint account?
  • Do I need a personal N26 account to open a joint account?
  • Can I get two physical cards with my joint account?
  • How can I open a joint account as a new customer?
  • How can I open a joint account as an existing customer?
  • Who is liable for a joint account?
  • Whose name is the joint account in?
  • How much does a joint account cost?
  • Can I switch my joint account from another bank to N26?
  • What’s the difference between Shared Spaces and joint accounts?