Open a bank account online in minutes

Ready for a bank account you’ll actually love? Then you’re ready for N26. Transfer, receive, and manage your money right in your N26 app. Open your dream bank account in minutes—directly from your smartphone. No paperwork, stress, or waiting times. Just intuitive, easy mobile banking that works.
Image showing a person with an N26 debit card and the N26 app displaying the account feed with the list of transactions.

N26 Standard—your free bank account

Get a free bank account and easily manage your money right from your smartphone. You’ll get intuitive features like N26 Insights that give you more control over your finances, and push notifications for every transaction. Plus, enjoy 3 free ATM withdrawals per month within Germany.
transparent N26 card with Money Logo.

Withdraw and deposit cash

Enjoy 3 free ATM withdrawals per month with N26 Standard, or get up to 8 free ATM withdrawals a month with a premium N26 account. With a handy ATM locator in your N26 app, finding your nearest cash point is a matter of seconds.No ATMs around? You can also deposit and withdraw cash with CASH26 at over 11,900 partner retail stores in Germany. The app will generate a barcode for you to show at the cash register to deposit or withdraw cash—it’s that simple.
More about Cash26
Sign up

Hit the button below and enter your personal details in order to create your account.

Verify your identity

Please have a valid ID at hand. We don't have branches so you can verify your identity within the app.

Add your card to your wallet

Your N26 virtual debit card is ready to use.

Enjoy your N26 account!

You're good to go! You can already top up your account and start using your virtual card.

Start earning interest

No deposit limits,* simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.N26 Standard customers get 1.26% p.a.** interest on their savings. 
More about the Instant Savings account
Image showing 1.26% interest rate for savings accounts and a woman dressed in blue holding a cell phone in the background.

*The interest rates vary based on your membership: 2.6% p.a. for Metal, 2.26% p.a. for You and Smart, and 1.26% p.a. for Standard accounts. Please note that regular rates per membership are subject to change over time.

N26 features you’ll love

Get a virtual or physical debit Mastercard 

Your debit Mastercard is accepted worldwide and offers zero foreign transaction fees—as well as SecureCode authentication for extra security.

Virtual card

Connect your virtual card to Apple Pay or Google pay, and start spending right from your mobile wallet the minute you open your account. 

Instant payments

Send or receive money 24/7, and top up your account in seconds with instant payments. Plus, easily transfer money to other N26 customers via MoneyBeam. 

Budgeting tools

From instant push notifications to spending limits to in-depth features like N26 Insights, you’ll have all the tools you need to stay within budget.

Save for your goals with Spaces

You’ve got big dreams—why not give them some space? With any N26 premium account, you’ll get 10 sub-accounts to help you save the easy way. Give each Space a unique name and savings goal, and instantly add money from your main account with just a few taps.
Get sub-accounts in minutes
A woman in the company of her instructor doing skydiving and a N26 teal card with a space called bucket list.

Stress-free dining with Split the Bill

Want to enjoy a night out with your friends and skip the drama when it comes time to pay? With our Split the Bill feature, there’s no more need to ask for separate bills for everyone at the table. Split any payment made with your N26 card easily and instantly, right in the N26 app.
Split the bill
Hands holding two cards.

Find a plan for you

N26 Standard

The free* online bank account

The N26 virtual card.
Virtual Card


  • A virtual debit card

  • Free payments worldwide

  • Up to 3 free withdraws

  • Deposit protection

N26 Smart

The bank account that gives you more control

N26 You card, Teal.
N26 You card, Ash.
N26 You card, Wheat.
N26 You card, Petrol.
N26 You card, Rhubarb.


  • Free Virtual Card

  • Up to 10 Spaces sub-accounts

  • Support Center phone number

  • Round-ups


N26 You

The debit card for everyday and travel

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.


  • Up to 5 free withdrawals in the Eurozone

  • Flight and luggage delay cover

  • Medical emergency cover

  • Winter activities insurance

  • Pandemic coverage

N26 Metal

The premium account with a metal card

N26 Metal - Slate Grey.
N26 Metal - Charcoal Black.
Quartz Rose - N26 Metal Card.


  • An 18-gram metal card

  • Up to 8 free withdrawals in the Eurozone

  • Purchase protection

  • Phone insurance

  • Dedicated N26 Metal line


  • What do you need to open a bank account?
  • Can I open another account?
  • How long does it take to open an account?
  • What documents do I need to open a bank account?
  • How old do you have to be to open an N26 bank account?
  • Can I open a bank account online?
  • What documents do I need to open a bank account?
  • How much does it cost to open a bank account?
  • How does opening an account work?
  • Where can you open an account immediately?
  • Where do you open a checking account?