Security at N26

N26 has been operating with a full German 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 like 2F and 3D Secure.

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Trusted by +8 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.

How to give feedback


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 8 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.

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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.

How you can protect yourself

Stay safe while online shopping.

Security and online shopping: How to protect your money and your data

Love the convenience of online shopping, but wondering how to avoid getting scammed? Here you’ll find 6 ways—plus our expert bonus tip—to protect your money and your data while shopping online.

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Protect yourself from smishing scams with this simple guide

Keep your sensitive information safe from SMS-based fraud.

Keyboard and lock as a metaphor of Security.

Online scams: How to spot internet fraud and stay safe

Online scams seem to be everywhere—luckily, there are ways to dodge them. Learn how to avoid internet fraud and keep yourself safe with this handy guide.

How N26 keeps you and your money safe

woman holding a cell phone.

Deposit protection scheme: why your money is protected

Looking for reassurance that your money is protected? Deposit protection schemes help secure the money in your bank account.

secure banking.

Money laundering: how banks stay one step ahead of criminal activity

Money laundering accounts for billions each year. Here’s how banks fight back with anti-money laundering processes to detect suspicious activity.

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5 tips for secure mobile banking

From deactivating bluetooth to locking your screen, we’ve got 5 essential tips for you to enjoy mobile banking with peace of mind.

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
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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.

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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