Get 12 months of N26 Smart for free

Want to enjoy a 100% mobile bank account that suits your lifestyle? Your first 12 months are on us: We're giving you 12 free months of N26 Smart plus a €25 welcome bonus if you’re on the OWWN waitlist or an OWWN customer and use both your personal voucher code and the link in the email to sign-up to a private N26 Smart account. Find further information and the promotion terms and conditions here.
Image of a mobile phone showing a subaccount on the screen and a black debit card in the side.

How to start your free 12 months of N26 Smart

  • Click on the “Get N26 Smart” button above.
  • Then, follow the steps and enter your personal voucher code when opening your bank account.
  • Complete the account opening process. That’s it! Your private N26 Smart account is ready to use.
To receive the €25 welcome bonus, you need to use the link in the OWWN email. Your €25 bonus will be automatically credited to your new N26 account in the following month. Find more information and the promotion terms and conditions here.
Colourful N26 You cards on a table.

N26 Smart: Your money, your way

With N26 Smart, you get all kinds of premium benefits: a debit Mastercard in one of five colors, up to 10 Spaces sub-accounts (each with its own IBAN), and features that allow you to spend and save with others. Use Apple Pay or Google Pay for effortless payments right from your smartphone, and enjoy five free ATM withdrawals each month.
Learn more about N26 Smart
Image of N26 You card colours.

  • Pay by phone in seconds
  • Sub-accounts for your savings goals
  • Manage money together in Shared Spaces 
  • Split expenses the easy way

N26 — The first bank you’ll love

With N26, you can enjoy 100% mobile banking, with no paperwork and no hidden fees. As a fully licensed German bank, N26 offers you real security for your money — your funds are protected up to €100,000 by the German Deposit Protection Scheme.
About us
On a smartphone, various sub-accounts are displayed in the N26 app.


  • How can I redeem the offer?
  • Where can I find my personal voucher code for the offer?
  • What is N26?

*Promotion offered by N26 Bank AG, Voltairestr. 8, 10179 Berlin, Germany. New N26 customers with their place of residence in Germany and Austria who successfully sign up using the link in the email and open a N26 personal bank account during the promotional period receive a 25 EUR sign-up bonus in the month following the sign-up. Additionally when signing up to a personal N26 Smart bank account new N26 customers may be exempt from paying the monthly N26 Smart membership fee (€4.90/month) for the first 12 months of their membership subscription by using the promotional code provided to them in the email when opening a N26 Smart bank account. Promotion valid from 26.10.2023 until 31.12.2023. The link and the promotional code may only be used once, availability of account opening provided. Please find detailed Promotion T&Cs on the N26 website