N26 Standard—your free student bank account

Saving money as a student? Sure, it’s possible—with N26 Standard! This N26 student bank account is 100% mobile and 100% free of charge. Start spending with your digital N26 Mastercard as soon as you set up your account, and enjoy smart features and perks curated for your busy life. Why wait? Open your student bank account from your smartphone in just 8 minutes today!

Student in class with a notebook paying attention to her teacher and taking notes.

Keep your finances in check with N26 Smart

  • Save money with up to 10 Spaces sub-accounts
  • Create Shared Spaces for shared living costs
  • Get insights into your spending habits with Statistics
  • Choose a debit Mastercard in one of 5 colors
  • Enjoy a number of perks from our partner brands
N26 You card, Petrol.
MoneyBeam instant transfer screenshot.

Send and receive money instantly

Whether it’s making a last-minute rent payment or splitting the dinner bill —with N26, you can settle up in seconds! Send, receive, and request money from your N26 contacts instantly with MoneyBeam. Plus, use instant payments to transfer money in seconds—no matter which bank account you’re sending it to. And with your new student account, you can save yourself the post-meal hassle with Split the Bill and divvy up shared restaurant bills with just a few taps in your N26 app.

Discover instant payments

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.

Keep your finances in check

Our Statistics feature categorizes your spending and helps you spot opportunities to save. Whether it’s “Food & Groceries” or “Shopping,” the N26 app gives you an overview of how much you’re actually spending on what each month.

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!

N26 Smart—spend and save with confidence

Finally, a student bank account that’s just as mobile as you are. With N26 Smart, managing your finances is effortless and, well, smart! Save money for your unique goals with Spaces sub-accounts—our signature virtual piggy banks. To save even more, use Round-ups to automatically round up card payments to the nearest euro and transfer the difference to a designated Space. And with Shared Spaces, you can comfortably manage shared expenses and savings goals with up to 10 contacts.

Explore premium plans

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.

The image shows a collage of 4 photos with a mother and a son celebrating a birthday, a couple traveling, a dinner, and couple renovating a room.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Find your perfect student bank account

Ready to open your student bank account with N26? Compare our premium plans and sign up online in just 8 minutes—all you need is some WiFi, your ID, and your smartphone. No paperwork needed!


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

Use these 12 tips to save money and reach financial independence while you’re still in school

Hole punch, slinky, and a notepad.

What is the cost of attendance at university in 2019?

It’s important to consider the cost of attendance when studying at university. From tuition fees to living costs, here’s everything you need to know.

A text "ATM" against a read background.

Banking Basics: all about ATM cash machines

ATMs have a solid concept: type PIN, get money. But if you’ve ever wondered what comes next, this guide holds the answers.