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 sitting in a Park. Maya is holding her N26 card and Marco looking at his mobile. In the foreground there is a pop up with the amount of money in 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 and Maya hugging outdoor. Marco is holding his N26 card and Marco his mobile. In the foreground, there is a pop up showing the rent expense and other with Marcos deposit.
N26 app showing the amount of money in a joint account, a Standard account card, and the "Deutschland Beliebteste Banken" badge by Focus Money.

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.

Open a joint account

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 checking their joint account. In the foreground there is popup displaying a bar graph with the monthly balance of the joint account.

Share the benefits of your joint account

100% digital

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

Easy to use

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

100% transparent

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

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

Two mobiles showing the N26 joint account accounts interface laying on a red duvet.

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

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
Illustration of a person using his mobile and some rewards coming out from the screen.

How many people can use a joint account?

N26 joint accounts can have a maximum of two account holders.

Do I need a personal N26 account to open a joint account?

Yes. First you need to open a personal account and then you will be able to open a joint account.

Can I get two physical cards with my joint account?

Once your N26 joint account is open, you can connect the card linked to your existing N26 personal account to your joint account instead. Alternatively you can connect a virtual card, or buy an additional card that is dedicated to your joint account for €10. Please remember that N26 cards are always issued per person, so it isn’t possible to have a card with both joint account holders' names on it.

How can I open a joint account as a new customer?

First you need to open a personal N26 account. Then you can be invited to be a joint account holder, or open a joint account yourself.

How can I open a joint account as an existing customer?

If you already have a personal account with N26, head to the ‘Finances’ tab of your N26 app. Then add a joint account and choose the contact you want to share your joint account with. Once they accept your invitation and you both accept the terms and conditions, your joint account will be open. You’ll then each be able to transfer money in and out of the joint account.

Who is liable for a joint account?

Each account holder has 100% liability and equally shared ownership of the activity in the joint account.

Whose name is the joint account in?

Both account holders are named on the joint account.

How much does a joint account cost?

The N26 joint account is a free feature available to all N26 customers, regardless of membership type.

Can I switch my joint account from another bank to N26?

Yes, account switching is available.

What’s the difference between Shared Spaces and joint accounts?

Shared Spaces are available only to those with a premium N26 membership. It's not possible to make payments directly from a Shared Space, as they don't have a dedicated IBAN and you can't link a card to them. Each Shared Space can have up to 10 participants, but only the persona who opened the Space is the legal owner of the funds within it. Joint accounts are available to all N26 customers, regardless of membership. They have a dedicated IBAN, and you can link a virtual or physical card to your joint account to make direct payments. Only two people can join a joint account, but both account holders have full legal ownership of the shared funds within it.