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N26 Overdraft

Stay financially flexible with an overdraft

Activate your overdraft with your N26 bank account – it only takes a few minutes. Adjust your overdraft on your phone and take control over your finances. No penalty fees, and full cost transparency.
Mobile Phone with N26 Overdraft screen.

Flexible

As an N26 customer, you can get an overdraft of up to €15,000.

Transparent

Get an overview of your overdraft costs in your N26 app. Keep on track with transparent costs.

Effortless

It only takes a minute to check whether N26 can offer you an overdraft. It’s a non-binding, straightforward process that comes without paperwork to weigh you down.

Personalized

Stay in control of your money through individual, easily-adjustable limits. Your N26 account changes with you, according to your needs.

How does N26 Overdraft work?

Overdraft is the ability to overdraw your account, provided by N26. We know that sometimes the month drags on and you can fall into the red. That’s why we’re offering you the option to activate overdraft whenever you need that extra financial flexibility. Of course, we’ll only charge interest if you actually make use of your overdraft.
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How can I set up N26 Overdraft?

Setting up an overdraft is quick and easy. Just go to the Benefits tab in your N26 app and select N26 Overdraft to get started. After you’ve reviewed and agreed to the Terms and Conditions and we’ve done a quick eligibility check, you can activate your overdraft without any paperwork.
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FAQ

  • An overdraft allows you to borrow a certain amount of money through your checking account.
  • To activate your overdraft, go to the "Finances" section of the app and scroll down. Select "Extra funds" and then "Overdraft". After a quick check of your credit history, we’ll let you know if you’re eligible for an overdraft. Then, you can go ahead and customize your amount in the app.
  • To get an overdraft, you need to have an N26 account. Of course, when applying for your credit, your creditworthiness plays a role. Further information about requirements can be found in our Support Center or in the Terms and Conditions.
  • New overdraft customers can receive an overdraft of up to €15,000.
  • The fixed interest rate we apply to your overdraft is 13.4% p.a.