N26: The mobile bank in Germany
Your free bank account with N26
✓ Free bank account
✓ 100% mobile
✓ Customer Support in your language
✓ Real-time banking
✓ No hidden fees
Open your bank account in minutes and start using your virtual card instantly
1. Sign up
Hit the button above and enter your personal details in order to create your account.
2. Verify your identity
Please have a valid ID at hand. We don't have branches so you can verify your identity within the app.
3. Add your card to your wallet
Your N26 virtual debit card is ready to use.
4. Enjoy your N26 account!
You're good to go! You can already top up your account and start using your virtual card.
Banking made simple
Forget paying for the basic stuff
With your virtual Mastercard, you can do all your payments online, in apps and in stores via your digital wallet. And we’ll always offer a feeless checking account that does what you need.
Stay up to date. Get a push notification immediately after all account activity, including card payments, direct debits, and transfers.
Full control of your account
Mobile banking allows you to control all the parameters of your account. Lock and unlock your card, activate and deactivate payments online or abroad, manage your payment limits... All in real time.
Contactless made effortless
Your virtual N26 card allows you to use contactless payments, but also mobile payments. Try it out and breeze past the checkout in stores.
Your safety is top priority
N26 operates with a full European banking license, and every N26 bank account is safe up to €100,000 according to EU directives. Thanks to 3D Secure, you’re also protected when making purchases online.
What do I need to open a free bank account with N26?
You must meet the following requirements to open an N26 Standard free bank 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
Is N26 secure?
N26 operates with a full European banking license, which protects your N26 account up to €100,000, under EU law directives. With 3D Secure, Mastercard Identity Check and fingerprint and face recognition, the security of your online payments is always guaranteed.
What are the benefits of using the free checking account?
The free bank account lets you manage all your finances under one app, whether at home or traveling. In addition, we don’t charge you any hidden fees when withdrawing money from an ATM, or when making payments in foreign currencies. Alongside getting instant push-notifications after every transaction, benefit from Spaces sub-accounts for better saving, automatic spending categorization with Statistics, and the ability to make and receive immediate funds from other N26 customers with MoneyBeam.
With N26 You and N26 Metal you can also withdraw money at no fees worldwide, and enjoy exclusive benefits such as discounts. On top of this, premium accounts come with an extensive package of travel and lifestyle insurance, courtesy of Allianz.
How much does it cost to open an N26 bank account?
With our standard account you will receive a free checking account—without having to pay anything. An N26 You bank account costs €9.90 per month, and the N26 Metal account costs €16.90 per month. If you opt for a N26 premium account, you commit to at least 12 months. You don’t need a steady income or a minimum deposit to open an account.
Up to €50,000 balance, after which a custody fee may apply.Please find the Terms & Conditions here.
How to open an N26 bank account?
If you meet all the requirements, you can open your checking account with N26 for free and within minutes. All you need is a smartphone and your photo ID. It's easy with our digital authentication process. Download our app to open an account—you don’t even need a minimum deposit amount.