N26 Flex
The card without the Schufa minimum requirement
N26 Flex offers a bank card for everyone who does not meet the Schufa minimum requirements for current accounts in Germany. With N26 Flex, sign up to a bank account that doesn’t take your Schufa score into consideration and tap into smart, flexible digital banking—right on your smartphone.
24
markets
~8 million
customers
Just minutes
to open a bank account
280k+
5* ratings across both iOS and Android app stores
Your card without Schufa
Discover the advantages of our Flex account card:
- Create two spaces to help you organize your money
- No stress, no hidden costs
- Pay worldwide, withdraw money, and manage expenses directly on your smartphone
- Enjoy the official Mastercard exchange rate
- Withdraw cash in any currency for free
- Keep control of your finances at all times
- Start into a stress-free financial future
Pay with your card wherever you are
Your N26 card is accepted worldwide, making it the perfect companion for travels. Pay online, in stores, and apps with your debit card, and forget about foreign currency fees - we don't charge any additional fees for transactions in foreign currencies. With the convenient ATM finder in your N26 app, you can easily locate the nearest ATM even more effortlessly.
3D Secure from Mastercard
Do you enjoy shopping online? 3D Secure on your debit card provides additional protection for your online transactions through two-factor authentication.
NFC technology
Your debit card N26 contactless is compatible with NFC technology, so you can pay for your purchases securely and quickly in physical stores, online or in apps.
Push notifications
Thanks to real-time push notifications after every transaction, you are always up to date on what's going on in your bank account.
Deposit protection
With our European banking license, your money is protected up to 100.000 € by the German Deposit Guarantee Fund.
Control your card 24 hours a day
At N26, you set the rules for your free checking account. With just a few clicks in the N26 app, you can lock and unlock your N26 card, change your PIN, and set daily spending and withdrawal limits. You can also enable or disable online and international payments as well as withdrawals. Simply link your card to Google Pay or Apple Pay to use mobile payments.
What's next?
1. Register online2. Verify your identity in a short videocall3. Receive your N26 Mastercard4. Enjoy your N26 account
Frequently Asked Questions
Our N26 Flex account is neither an N26 Standard account, a premium membership account, nor a basic account, according to §§ 30 ff. ZKG.
Yes, you can get an N26 Flex bank account even if you have a negative SCHUFA score. Nevertheless, you still need to meet our other terms and conditions.
If you have a positive SCHUFA score, we’ll redirect you to sign up to another N26 account that’s better suited to your needs.
Yes, your N26 Flex bank account comes with a Mastercard debit card as standard. This card is equipped with contactless NFC technology, and our statement debit card design.
Similar to savings accounts, Spaces are sub-accounts that sit alongside your main N26 account. Drag and drop funds over to save up and reach your personal savings goals, and keep track of your progress along the way.
Yes, just add your card to your Apple Pay or Google Pay wallet and you are ready to go.
N26 operates with a full European banking license, which protects your N26 account up to €100,000, under EU law directives. With 3D Secure, Mastercard Identity Check and fingerprint and face recognition, the security of your online payments is always guaranteed.
If you meet all the requirements, you can open your bank account with N26 for free and within minutes. All you need is a smartphone and your photo ID—it's easy with our digital authentication process. Download our app to open an account—you don’t even need a minimum deposit amount.