N26 Standard—your free student bank account

Saving money as a student? Sure, it’s possible—with N26 Standard!
  • no account maintenance fees
  • free virtual card, apple pay and google pay
  • straightforward banking without complicated conditions
  • fee-free withdrawals
  • Intuitive app, perfect for banking on the go
  • simple savings features
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Student Account for smart finances

Say goodbye to waiting times, hidden fees, and paperwork. Get a student current account with a Virtual Card and 24/7 support — manage your money from anywhere. For a one-time fee of only 10 euros, you also receive a physical debit card.  
A floating smartphone shows the N26 virtual card on the screen.

Master your spending with Insights

Meet N26 Insights, the smart feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on shopping, groceries, and more—all it takes is a quick glance to stay on track with your monthly budget. See where your money went last month with the Monthly Wrap-Up, so you can fine-tune your spending habits. Plus, with a clear overview of your upcoming regular payments, it’s easy to plan ahead and stay on top of your finances.
Learn about budgeting

Enjoy amazing perks

Only got spare change left? Thanks to N26 Perks, you don’t have to spare yourself the fun. Get exclusive discounts from top brands like FlixBus, Reebok, GetYourGuide, and more.

100% digital and secure

N26 has a full European banking license. That means the funds in your student account are protected up to €100,000, so you can enjoy 100% secure, mobile banking!

No hidden costs

100% transparency, 0% hidden costs. Benefit from free ATM withdrawals all over Austria and free payments in any currency—all with our N26 student bank accounts!

Always flexible with your overdraft limit

With your N26 student account, you can set up, adjust, and always keep track of your spending in just a few minutes. With your flexible overdraft credit, you have full control over your finances at any time.

Switch banks the easy way with N26

We’ve partnered with Qwist to make switching accounts easier than ever. Here’s how it works:
  1. Open an N26 account on the N26 mobile or web app
  2. Head to My Account and scroll to Switch to N26. Alternatively, use the N26 bank account switching website, and log in with your old bank details.
  3. Qwist will automatically recognize your direct debits, incoming payments and standing orders—simply select the ones you want us to transfer to your N26 account.
  4. Confirm the account switch—and you’re done!
Open N26 account
Laptop with desktop version of N26 on a black table.

Extra flexibility when you need it

Decided to go on a spontaneous weekend trip, need to buy a last minute birthday gift, or suddenly fly home to be with family? We get it—things can change fast sometimes when it comes to your money. Thankfully, if you need to readjust your budget for unexpected costs, N26 Installments gives you the flexibility to split a past purchase into installment loans to free up cash right away.
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n26 standard card.
n26 metal card.
n26 you card.

Find your perfect student bank account

Ready to open your student bank account with N26? Compare our premium plans and sign up online in minutes—all you need is some WiFi, your ID, and your smartphone. No paperwork needed!

FAQs

  • What is a student account?
  • How do I open a student bank account?
  • What do you need for a student account?
  • What are the benefits of student bank accounts?
  • Until when is a student account?
  • How much money do I need to open a student account?
  • How much money can one have in a student account?
  • Can I open a student bank account without a parent?
  • What is the best student bank account at N26?
  • Is it a blocked account?

Learn how to manage your finances as a student

Woman lying on a sofa looking at her mobile and man working on his computer.

12 ways to save money on a college student budget

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Hole punch, slinky, and a notepad.

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A text "ATM" against a red background.

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