Security at N26

N26 has been operating with a full European banking license since 2016, and is governed by the same laws and regulations as any other bank. This means that your funds are protected up to €100,000 by the German Deposit Protection Scheme—and that your money and N26 bank account are secure. Below, learn more about the additional security settings and measures that keep your finances safe.

App screen showing how to lock your card.
Trusted by +7 million customers
5-star app ratings on iOS and Android
A full banking license
since 2016
Deposit guarantee scheme
of up to €100,000

We bank on


We always communicate changes to our products, fees, and services openly and transparently. Plus, we highly value your feedback and ideas as we optimize your banking experience to truly fit your demands and needs.

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Building trust with customers is just as important as building trust with employees. N26 encourages an open, inclusive, and creative work environment that embraces diversity. Our employees from across 80 nationalities are at the heart of N26—they are the reason we can offer the safe, innovative, and flexible banking experience that more than 7 million customers worldwide trust.

Security settings for your N26 bank account

Get full control over your bank account with N26. Change your security settings effortlessly with just a few taps in the app—from locking and unlocking your card, to adjusting withdrawal and spending limits on foreign transactions. On top of that, your N26 bank account comes with three-tier security measures that protect all your transactions, alongside extra in-app features for extra peace of mind.

Smartphone pairing

Pair your account to one smartphone at a time, ensuring that only you have access to your money.

Biometric authentication

Log in within seconds using a secure password—or via fingerprint identification and face recognition—and manage your bank account on-the-go.

3D Secure technology

Benefit from extra security against fraud, thanks to advanced 3D Secure (3DS)—an additional authentication step that protects your online purchases.

Discreet mode

With this innovative feature, you can blur your account balance with the swipe of your finger—great for using the N26 app in public.

Instant push notifications

With real-time push notifications on all account activity, stay up-to-date with all your incoming and outgoing payments, and always know what’s happening with your account.

App screen showing a push-notification.

Banking with N26—intuitive, flexible, easy

We believe banking should be easy. That’s why we offer a user-friendly app, smart features, and an innotivate digital banking experience in real-time—without the paperwork. Say goodbye to complicated forms and processes, and discover 100% mobile, flexible banking.

Personalized security settings, N26 Spaces sub-accounts, Rules, Statistics, and more—with N26, you can manage your money your way.

Your task—stay alert online

Your N26 account comes with advanced security settings to keep your money safe. Yet, it’s important to remain vigilant and take further measures to protect yourself. Never write down your passwords or PIN, only log into your N26 account on your own devices, and avoid using a public WiFi connection. Make sure your anti-virus software is up-to-date on your computer, and that you’re always using the latest version of the N26 app. Learn more in our Complete Guide to Secure Online Banking.

Download the guide
Computer screen and wi-fi password.
Phishing attempt.

What is phishing?

Phishing is when someone attempts to get your password or login details through deceptive emails, text messages, or fake websites. To protect yourself from online fraud, avoid clicking on links in emails or text messages that seem suspicious. We will never ask you for your password or PIN. If you’re ever in doubt, contact N26 Customer Support—we are always happy to help. Learn more about phishing on our blog.

We’re there for you—anytime

We are a 100% mobile bank and don’t have physical branches, but we’re always just a few taps away. Contact us directly in your N26 app—simply open the in-app chat to reach our Customer Support. We’re available daily from 7 a.m. CET to 11 p.m. CET—even on Sundays and bank holidays.

Alternatively, if you have any questions or want to learn more about security at N26, you can find more information at our N26 Support Center.

N26 Metal - Charcoal Black.
N26 You card, Petrol.

N26—your mobile bank

Regardless of whether it’s a free account, premium or business, choose an N26 bank account that easily fits your lifestyle. We’re constantly improving our products and services in order to offer you innovative features at fair prices. Discover our bank accounts and compare plans—and stay one step ahead.

Security at N26

What is N26?

N26 is a 100% mobile bank. We have a full European banking license, and offer a free bank account, plus premium accounts such as N26 Smart, N26 You and N26 Meta. For freelancers and the self-employed, we also offer business accounts that help you manage your business finances. All bank accounts are accessed online, allowing you to manage your banking transactions easily and securely via your smartphone—in real-time, and with no annoying paperwork.

Is N26 secure?

N26 operates with a full European banking license, which protects deposits up to €100,000, as directed under EU law. With 3D Secure and Mastercard Identity Check, as well as fingerprint and face recognition, your online payments are even better protected.

We want to offer you a secure banking experience—today and tomorrow. That’s why we work closely with financial institutions and communicate with authorities on a regular basis.

How can I increase security when banking online?

In addition to your N26 bank account’s advanced security features, you can take steps to further increase your security. Never write down your passwords or PIN, only log into your account from a device you trust, and only use your account when you have a secure WiFi connection. Additionally, to protect yourself from online fraud, avoid clicking on links in emails or text messages that seem suspicious. For more information on how to spot fraudulent behavior—and maintain your online banking security—check out our Security Guide.

Is it safe to do online banking from my phone?

N26 is a 100% mobile, fully licensed bank, which means that we provide the same level of security and follow the same regulations as traditional banks. Thanks to our European banking license, your money is protected up to €100,000 by the German Deposit Protection Scheme. At N26, we take extensive steps to keep you safe when banking online. 2-Factor-Authentication protects your account from being accessed by others, while 3D Secure technology encrypts your personal payment information when you shop online.

As an N26 customer, you’ll always have full control of and access to your funds. Plus, you can personalize your security settings, wherever you are. Lock or unlock your card, set spending limits, and much more with just a few taps in your N26 app.

How can I reach the N26 Customer Support team?

You can reach N26 Customer Support everyday from 7 a.m. CET to 11 p.m. CET via the support chat directly in your N26 app—even on Sundays and bank holidays.

The in-app chatbot can answer simple questions, and if you need more help, additional information is available at our N26 Support Center.

Premium customers also benefit from phone support via a direct hotline. Learn more about our bank accounts here.