The bank account you’ll love
Bank, save, and invest in one beautifully simple app trusted by millions. No paperwork. No hidden fees. 100% mobile.Open free Account
Why you’ll love N26
100% mobile
Open your account and bank on your smartphone.
Fee-free banking
Plans start from €0pm*, with no hidden fees.
Virtual Mastercard
Start banking right away with your free virtual Mastercard.
Free withdrawals
Get up to eight free ATM withdrawals per month.
Everything you need in a bank
Grow your money flexibly
Earn interest with Instant Savings, our flexible savings account.
Bank better together
Simplify your shared finances with a free joint account.
Organize your money with Spaces
Go premium and get 10 Spaces sub-accounts.
Negative SCHUFA? No problem.
N26 Flex is your account for everyday banking. Receive your salary and government assistance, set up direct debits, and send money.
Security you can trust
Track your spending, get real-time alerts, and enjoy deposit protection** up to €100,000. Bank securely with N26.
FAQ
Opening an N26 account is fast, digital, and hassle-free. All plans include zero hidden fees, real-time spending alerts, easy budgeting tools, and free ATM withdrawals in the Eurozone. Top-tier security keeps your money safe, and you can manage your banking, savings, and investments right from your phone.
N26 has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customer's online payments is always guaranteed.
You can open an account online in minutes from your phone or the N26 web app — no paperwork or waiting times. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
N26 Standard has no monthly fees and no fees for everyday transactions. Depending on your plan, you’ll get anywhere from 2 to 8 free monthly ATM withdrawals. Some plans have monthly costs and come with additional travel and insurance benefits.
Yes! All N26 cards let you withdraw money at foreign ATMs. It's free with N26 Go and Metal, N26 Smart and Standard users only have to pay 1.7% conversion fee.
You can easily switch your bank account to N26 from almost every German bank! Just type in the name of your current bank. Discover how to switch banks with our tool to facilitate the process.
*No account management fee for N26 Standard Account. For all other account plans, fees apply. See List of Prices and Services for current fees.
**The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.