Compare N26 bank accounts in Germany

Find the perfect plan for you

N26 Standard

The free digital bank account

Transparent N26 Standard card.

€0.00/Month

N26 Smart

The bank account with tools for spending and saving

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Teal.
N26 You card, Ash.

€4.90/Month

POPULAR

N26 You

The bank account for travel and everyday needs

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Teal.
N26 You card, Ash.

€9.90/Month

N26 Metal

The premium account with perks and a metal card

N26 Metal - Charcoal Black.
Quartz Rose - N26 Metal Card.
N26 Metal - Slate Grey.

€16.90/Month

Physical card
Optional
Virtual card
Contactless payments
Mobile payments
Extra card (optional)
Earn interest
Deposit limit
Unlimited
Unlimited
Unlimited
Unlimited
N26 Crypto
100% mobile banking
Free payments worldwide
CASH26 deposits & withdrawals
Free domestic ATM withdrawals
3
5
5
8
Free ATM withdrawals in the EU
Unlimited
Unlimited
Unlimited
Unlimited
Free ATM withdrawals abroad
Cashback
Business accounts only
Business accounts only
Business accounts only
Business accounts only
Chatbot support
In-app chat
Phone support
Travel delays
Baggage delay
Baggage coverage
Emergencies while traveling
Trip cancellation
Trip interruption
Personal liability insurance
Mobile phone coverage
Purchase protection
Insights on spending
Spaces sub-accounts
10
10
10
Shared Spaces
Round-ups
Premium partner offers
Unique experiences
Transaction list
Business accounts only
Business accounts only
Business accounts only
Business accounts only
Deposit protection
3D Secure payments
Two-factor authentication

N26 Standard

The free digital bank account

Transparent N26 Standard card.

€0.00/Month

N26 Smart

The bank account with tools for spending and saving

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Teal.
N26 You card, Ash.

€4.90/Month

N26 You

The bank account for travel and everyday needs

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Teal.
N26 You card, Ash.

€9.90/Month

N26 Metal

The premium account with perks and a metal card

N26 Metal - Charcoal Black.
Quartz Rose - N26 Metal Card.
N26 Metal - Slate Grey.

€16.90/Month

Find the perfect plan for your business

N26 Standard

The free* digital business bank account with cashback for freelancers

N26 Business Card.

€0.00/Month

POPULAR

N26 Smart

The business bank account with cashback and financial tools for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€4.90/Month

N26 You

The business bank account with cashback and travel perks for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€9.90/Month

N26 Metal

The premium bank account with cashback and a metal card for freelancers

Black N26 Business Metal card.
Pink N26 Business Metal card.
Gray N26 Business Metal card.

€16.90/Month

Physical card
Optional
Virtual card
Contactless payments
Mobile payments
Extra card (optional)
Cashback on purchases
0.1%
0.1%
0.1%
0.5%
N26 Crypto
100% mobile banking
Free payments worldwide
CASH26 deposits & withdrawals
Free domestic ATM withdrawals
3
5
5
8
Free ATM withdrawals in the EU
Unlimited
Unlimited
Unlimited
Unlimited
Free ATM withdrawals abroad
Chatbot support
In-app chat
Phone support
Travel delays
Baggage delay
Baggage coverage
Emergencies while traveling
Trip cancellation
Trip interruption
Personal liability insurance
Purchase protection
Mobile phone coverage
Transaction list
Insights on spending
Spaces sub-accounts
10
10
10
Shared Spaces
Round-ups
Premium partner offers
Unique experiences
Deposit protection
3D Secure payments
Two-factor authentication

N26 Standard

The free* digital business bank account with cashback for freelancers

N26 Business Card.

€0.00/Month

N26 Smart

The business bank account with cashback and financial tools for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€4.90/Month

N26 You

The business bank account with cashback and travel perks for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€9.90/Month

N26 Metal

The premium bank account with cashback and a metal card for freelancers

Black N26 Business Metal card.
Pink N26 Business Metal card.
Gray N26 Business Metal card.

€16.90/Month

Services and Fees for everyone who registers with an address in Germany. View our detailed price list as PDF

For more information on Allianz Assistance insurance coverage, please see the General Conditions of the N26 You, N26 Business You or N26 Metal account.

*Please note that regular rates per membership are subject to change.

**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.

Personal Bank Account FAQ

How long does it take to open a bank account with N26?

You can open your mobile N26 account online in minutes from your phone or the N26 WebApp—no paperwork or waiting times. But best of all: Once your N26 bank account is active, you can start using it right away. 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.

What documents do I need to open a bank account?

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.

How old do you have to be to open an N26 bank account?

You’ll need to be at least 18 years old to open a bank account with N26.

How much does it cost to open a bank account?

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, with a 12-month commitment period. To open an N26 account, no deposit or minimum income is required.

What’s the difference between a personal bank account and a business one?

The major difference between a personal bank account and a business account is what it’s used for. As the name suggests, personal bank accounts are designed for personal, day-to-day use. Conversely, business accounts are only intended for business transactions. A business account gives you a better overview of your business expenses and enables you to store the relevant receipts more easily. This blog post tells you more about the differences between these two kinds of accounts.

Can I open two bank accounts at once?

No, you can’t hold two N26 accounts at the same time.

What do I need to consider when switching accounts?

Before you begin to change banks, there are a few things to keep in mind. The N26 account switching service is currently only offered in Germany, Austria, and Spain—IBANs from other countries cannot be processed at this time. If you want to switch your checking account, it only takes 10 minutes to request the service. However, please note that after you’ve submitted your request, it may take up to 7 business days for us to contact all parties. Last but not least, keep in mind that we offer the account switching service together with our partner, Qwist GmbH.

How many bank accounts am I allowed to have?

With N26, you can only have one active account in your name. Currently, it’s not possible to have two N26 accounts under the same name. This means that you can’t have a private N26 bank account and an N26 business account at the same time.