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.
transparent N26 card with Money Logo.

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.

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

  • Verify your identity

  • Add your card to your wallet

  • Enjoy your N26 account!

Image showing 1.26% interest rate for savings accounts and a woman dressed in blue holding a cell phone in the background.

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

*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.
Hands holding two cards.

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

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, 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, Petrol.
  • Up to 5 free withdrawals in the Eurozone
  • Flight and luggage delay cover
  • Medical emergency cover
  • Winter activities insurance

N26 Metal

The premium account with a metal card

N26 Metal - Charcoal Black.
  • An 18-gram metal card
  • Up to 8 free withdrawals in the Eurozone
  • Purchase protection
  • Phone insurance


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, You, 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 You 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