Open your salary account until July 31 and get €126!

Stay flexible this summer with N26! Get on top of your finances and make the most of your money with innovative banking features, real-time account updates, and much more. Plus, if you open a salary account by July 31, we’ll give you a €126 bonus on top! Simply open an N26 account and enter the promo code N26GIROKONTO. The best part? It only takes 8 minutes!

N26 You Timeline Feature in App.

Your free* salary account

Get your free salary account in just 8 minutes and manage your money right from your smartphone. Discover smart features that give you full control over your finances. Get a virtual Mastercard as soon as you open your account—and connect it with Apple Pay or Google Pay to start spending straight away. Prefer a physical bank card? Order it for a one-off delivery fee of €10!

*Up to €50,000 balance, after which a deposit fee may apply. Please find the Terms & Conditions for more information.

Full banking license and deposit guarantee

N26 is a real bank with a full banking license. This means that your N26 salary account is always protected up to €100,000 by the German Deposit Protection Scheme.

We also believe in 100% transparency. N26 has no hidden fees, and we send you push notifications for every incoming and outgoing transaction—so you always know what’s happening on your account.

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How it works

  • Open your salary account in just 8 minutes

    Download the N26 app and follow the instructions to open your salary account. Don’t forget to enter the promo code N26GIROKONTO under ‘Promotions’!

  • Verify your identity

    Make sure you have a valid ID ready. With our video verification, you can confirm your identity directly from your smartphone.

  • Set N26 as your salary account

    Share your new bank details with your employer so they can transfer your salary directly to your N26 account.

  • Get €126 from us

    After the first card transaction we’ll transfer €25 directly to your new N26 bank account. You’ll get the remaining €101 after 3 consecutive salary payments are transferred into your account. Happy banking!

image of the statistics feature of N26 bank account showing the spend in groceries.

Stay in-the-know with Statistics

One of our most popular features, Statistics automatically categorizes your spending each month, helping you budget better. This innovative feature automatically categorizes all transactions in your salary account and compares your spending to your 3-month average, so you always stay on track.

Financial products


Apply for an N26 Overdraft of up to €10,000 right in your N26 app with just a few taps. Manage all your finances directly from your smartphone, and easily keep an eye on your spending as well as your daily overdraft costs.

Learn more

Consumer credit

Want more financial flexibility? Request a loan of up to €25,000 directly in-app with N26 Credit—no paperwork involved. Compare loans and manage your payments easily right from your smartphone.

Discover N26 Credit

Flexible easy-access savings

Maximize your savings with N26 EasyFlex Savings and earn competitive daily interest rates without locking your money away. Access your funds in just 2 business days, with no minimum deposit periods. The best part? It’s completely free of charge!

Get EasyFlex Savings

Instalment loans

If you need money for an urgent purchase, you can simply get an instalment loan for a payment you've made in the past. This way you can increase the funds in your N26 account quickly and stay flexible.

Learn more

Withdraw and deposit cash

Enjoy 3 free ATM withdrawals per month with N26 Standard, or get up to 8 free ATM withdrawals a month with a premium N26 account. With a handy ATM locator in your N26 app, finding your nearest cash point is a matter of seconds.

No ATMs around? You can also deposit and withdraw cash with CASH26 at over 11,900 partner retail stores in Germany. The app will generate a barcode for you to show at the cash register to deposit or withdraw cash—it’s that simple.

Security first

Push notifications in real-time

Regardless of the activity on your salary account—from direct debit payments to receiving your salary and more—you’ll always receive instant push notifications for every transaction. Just another way N26 puts you in the driver’s seat.

Personalized security settings

Your salary account—your settings. Block or unblock your card, set limits for foreign transactions, online purchases and more—right in your N26 app. And, thanks to Mastercard 3D Secure, you’ll stay protected with two-factor authentication when shopping online.

N26 Bank Account Customer Service Chat in App.

Customer Support in your language

Our N26 specialists are available for you day and night in English, German, French, Italian, and Spanish. Contact us via the live chat in your N26 app, or give us a ring on the priority support hotline if you’re a premium customer.

Prefer to DIY? Find answers to our most frequently asked questions in the N26 Support Center.

Go to Support Center
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Transparent N26 Standard card.
N26 You card, Petrol.

Your 100% mobile salary account

N26 is flexible and convenient. Manage your finances in real-time on your smartphone. Open your N26 account by July 31, 2021 and use the promo code N26GIROKONTO to get a €126 bonus! Stressed about switching banks? Thanks to our partner finleap connect, you can easily make N26 your main account—for free. Get your existing direct debit payments, standing orders, and recurring payments transferred to your new N26 account with just a few taps.

Promotional terms and conditions for your €126 bonus: N26GIROKONTO

Sales promotion for new customers by N26 Bank GmbH, Rungestr. 22, 10179 Berlin, Germany. Promotion period 10.06.2021-31.07.2021. Promotion applies to all N26 tiers and may be used once per customer with valid residence in Germany. New customers who successfully sign up (have completed a successful identity verification and have been confirmed for a bank account by N26 Bank GmbH) for a N26 bank account within the promotion period will be credited up to €126 by N26 Bank GmbH. This credit will be transferred if the newly set up account is used as a salary account for three consecutive months (with incoming monthly transactions of at least €700 by 31.12.2021 from a bank account not associated with the same name), as well as at least one outgoing card transaction per month (incl. Google/Apple Pay). Following the first card transaction with the N26 bank account, new N26 customers will receive €25 in their N26 accounts immediately. In the event that at least 3 incoming transfers of at least €700 per month are credited to the N26 bank account by 31.12.2021, we’ll transfer an additional credit of 101€. The payout of €101 for new N26 customers onto their N26 bank account will take place automatically within 4 weeks after their 3rd incoming salary transaction. The T&Cs applicable for the respective N26 bank accounts fully apply and can be accessed at any time via To be eligible for this promotion, new N26 customers must use the following promotion code during registration: N26GIROKONTO. The registration must take place at the latest by 31.07.2021 and the promotion code must be used during registration. The promotion code can only be used once and cannot be combined with other promotional codes provided by N26 Bank GmbH.