What do you need to open a bank account?

To open an N26 bank account, you must meet the eligibility criteria. If you do, you can simply register via the N26 WebApp on desktop or the N26 app on your smartphone. It only takes minutes to open a bank account, and there’s no paperwork involved. You can start using your account right away once your identity is verified. For more information on how to open your N26 account, and a list of your required documents, visit our Support Center.

Can I open another account?

No, you can’t hold two N26 accounts at the same time.

How long does it take to open an account?

You can open an N26 account online or via your smartphone in minutes—no stressful paperwork, no wait times.

What documents do I need to open a bank account?

In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved—just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.

How old do you have to be to open an N26 bank account?

You’ll need to be at least 18 years old to open a bank account with N26.

Can I open a bank account online?

Opening a bank account online with N26 is simple. Just head to your app store and download the N26 app. Then, create your account and choose between an N26 Standard, Smart, {{pan-you-al}}, or Metal plan. After that, you’ll need to verify your identity during a brief call with us. Once that’s done, pair your account with your smartphone and start spending and saving the N26 way!

What documents do I need to open a bank account?

In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved—just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.

How much does it cost to open a bank account?

The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, the {{pan-you-al}} bank account costs €9.90 per month and the N26 Metal account is available for €16.90 per month. To open an N26 account, no deposit or minimum income is required.

How does opening an account work?

Opening an account at a bank is typically a standardized process, which may vary in some details depending on the bank and country. Here is a general overview of the steps that are usually followed when opening a new bank account: 1. __Choose a Bank__: Decide on a bank that meets your needs. 2. __Application Process__: Complete the account opening form, either online or in the branch. Provide personal information and select the type of account. 3. __Identity Verification__: Authenticate yourself, for example, via video identification. 4. __Documents__: Review and sign the contract. 5. __Activation__: After verification and approval by the bank, the account is activated and you will receive access data and possibly payment instruments like a card.

Where can you open an account immediately?

The ability to open an account instantly depends on the bank and its procedures. Many banks, especially online banks or digital divisions of traditional banks, offer fast or even immediate account opening processes these days. For instance, at N26, you can open a checking account in just a few minutes.

Where do you open a checking account?

A checking account can be opened at various financial institutions, including: - Traditional branch banks - Online banks - Savings banks - Cooperative banks - Specialized financial service providers

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.

Open bank account

Image showing a person with an N26 debit card and the N26 app displaying the account feed with the list of transactions.

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.

All in one app

N26 combines everyday banking and investing in a seamless way. That means you can manage your stocks, ETFs, and crypto portfolios without having to download another investment app. With N26, all the tools you need to build your financial wealth are in one place. 

A woman sits on a park bench holding her dog and phone, with overlaid cards showing savings, stocks, and crypto accounts.

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.

Open bank account

More than an app:  A fully licensed bank

N26 is a fully licensed German bank. That means we have the same security regulations as any other bank. It also means your funds are protected up to €100,000 by the German Deposit Protection Scheme. But our security measures don't stop there.

Image showing a mobile phone with N26 spaces app inside a security badge.

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.

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

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

Find a plan for you

N26 Standard

The free* online bank account

Virtual Card

€0.00/month

A virtual debit card
Free payments worldwide
Deposit protection

Open free bank account

N26 Smart

The bank account that gives you more control

€4.90/month

Free Virtual Card
Up to 10 Spaces sub-accounts
Support Center phone number
Round-ups

Open N26 Smart account

POPULAR

N26 Go

The debit card for everyday and travel

CRST-18128_PulseSoft_SavingsPlans_LP8c-Desktop-1334x1334.

€9.90/month

Up to 5 free withdrawals in the Eurozone
Flight and luggage delay cover
Medical emergency cover
Winter activities insurance
Pandemic coverage

Open N26 Go account

N26 Metal

The premium account with a metal card

€16.90/month

An 16-gram metal card
Up to 8 free withdrawals in the Eurozone
Purchase protection
Phone insurance
Dedicated N26 Metal line

Open N26 Metal account

N26 Standard

The free* online bank account

Virtual Card

€0.00/month

A virtual debit card
Free payments worldwide
Deposit protection

Open free bank account

N26 Smart

The bank account that gives you more control

€4.90/month

Free Virtual Card
Up to 10 Spaces sub-accounts
Support Center phone number
Round-ups

Open N26 Smart account

POPULAR

N26 Go

The debit card for everyday and travel

€9.90/month

Up to 5 free withdrawals in the Eurozone
Flight and luggage delay cover
Medical emergency cover
Winter activities insurance
Pandemic coverage

Open N26 Go account

N26 Metal

The premium account with a metal card

€16.90/month

An 16-gram metal card
Up to 8 free withdrawals in the Eurozone
Purchase protection
Phone insurance
Dedicated N26 Metal line

Open N26 Metal account

FAQs

To open an N26 bank account, you must meet the eligibility criteria. If you do, you can simply register via the N26 WebApp on desktop or the N26 app on your smartphone. It only takes minutes to open a bank account, and there’s no paperwork involved. You can start using your account right away once your identity is verified. For more information on how to open your N26 account, and a list of your required documents, visit our Support Center.
No, you can’t hold two N26 accounts at the same time.
You can open an N26 account online or via your smartphone in minutes—no stressful paperwork, no wait times.
In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved—just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.
You’ll need to be at least 18 years old to open a bank account with N26.
Opening a bank account online with N26 is simple. Just head to your app store and download the N26 app. Then, create your account and choose between an N26 Standard, Smart, N26 Go, or Metal plan. After that, you’ll need to verify your identity during a brief call with us. Once that’s done, pair your account with your smartphone and start spending and saving the N26 way!
In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved—just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.
The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, the N26 Go bank account costs €9.90 per month and the N26 Metal account is available for €16.90 per month. To open an N26 account, no deposit or minimum income is required.
Opening an account at a bank is typically a standardized process, which may vary in some details depending on the bank and country. Here is a general overview of the steps that are usually followed when opening a new bank account:
1. Choose a Bank: Decide on a bank that meets your needs.
2. Application Process: Complete the account opening form, either online or in the branch. Provide personal information and select the type of account.
3. Identity Verification: Authenticate yourself, for example, via video identification.
4. Documents: Review and sign the contract.
5. Activation: After verification and approval by the bank, the account is activated and you will receive access data and possibly payment instruments like a card.
The ability to open an account instantly depends on the bank and its procedures. Many banks, especially online banks or digital divisions of traditional banks, offer fast or even immediate account opening processes these days. For instance, at N26, you can open a checking account in just a few minutes.
A checking account can be opened at various financial institutions, including:
- Traditional branch banks
- Online banks
- Savings banks
- Cooperative banks
- Specialized financial service providers

Standard

Smart

Go

Metal

Aura

Business Standard

Business Smart

Business Go

Business Metal

Private retirement account