Your free account
With a virtual Mastercard and three free domestic ATM withdrawals per month.
Get N26 Standard
Simply secure
Our innovative security features keep your money and data simply secure.
Security at N26
24/7 support
Contact us day and night via the chat in your N26 app — in five languages.
Visit our Support Center
Free withdrawals
Enjoy a set number of free domestic ATM withdrawals based on your membership, along with unlimited withdrawals across the eurozone.
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Your 100% mobile bank account
Manage all your finances directly from your smartphone and pay with a tap using your virtual N26 Mastercard. Send money in seconds with MoneyBeam and instant transfers, and get spending insights to help you budget and stay on track. Our premium accounts offer even more perks and extra features.
Put your savings to work
N26 Instant Savings is our easy-access savings account that's 100% flexible. Earn interest on all your savings with no deposit limits** and dip into it anytime. Win-win.
N26 Metal customers enjoy our highest interest rate of 2.5%* p.a. It’s yet another benefit of our most premium bank account.
Discover Instant Savings
Truly free stock and ETF trading
Invest in stocks, ETFs, and ready-made funds managed by experts with no fees**. Explore 350+ crypto coins***. Then put it all on autopilot with our flexible investment plans.
Start investing
N26 accounts — your money deserves an upgrade
N26 Standard
The free online bank account
Virtual Card
€0.00/month
1% interest p.a. on your N26 Instant Savings
Pay worldwide with no foreign transaction fees
Up to 3 free domestic ATM withdrawals
A virtual debit card
N26 Smart
The bank account that gives you more control
€4.90/month
N26 You
The debit card for everyday and travel
€9.90/month
All benefits of N26 Smart, Plus
1.3% interest p.a. on your N26 Instant Savings
Free ATM withdrawals outside the eurozone
Up to 5 free domestic ATM withdrawals
Travel insurance
MORE INTEREST
N26 Metal
The premium account with a metal card
€16.90/month
All benefits of N26 You, Plus
3% interest p.a. on your N26 Instant Savings
Lower fees on N26 Crypto
Up to 8 free domestic ATM withdrawals
18-gram metal card
Open your N26 account now
Open your N26 bank account in just minutes and with no paperwork — right from your phone or our website. Ready to switch banks? Thanks to our partner Qwist, you can easily get your existing direct debit payments, standing orders and recurring payments transferred to your N26 account, for free and in just a few taps. Find our account switching service directly in your N26 app.*Valid only for new customers who open a new N26 Metal account from 19/02/2025 onwards. The interest rate for the N26 Instant Savings account corresponds to the current European Central Bank deposit facility rate (2.5% starting on 12/03/2025) and is subject to change by N26 any time. Terms and conditions apply.
For existing customers, N26 Instant Savings account interest rates are based on your main N26 plan: from 12/03/2025 onwards, 0.5% p.a. for Standard and Smart, 0.8% p.a. for You, and 2% p.a. for Metal (before taxes). Please note that rates per plan can be changed by N26 over time.
**These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes.
***The market for crypto assets constitutes a high risk. A complete loss of the money spent is possible at any time. N26 Crypto is powered by Bitpanda Asset Management GmbH.
N26 is the first 100% mobile bank to be granted and operate with a full German banking license from BaFin. That means your money is fully protected — both in your bank account and Instant Savings account — up to €100,000 by the German Deposit Protection Scheme. We currently operate in 24 markets worldwide and have over 8 million customers.
N26 has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customer's online payments is always guaranteed.
As a bank, N26 is supervised by the Federal Financial Supervisory Authority (BaFin). Our clients' funds are guaranteed up to €100,000 by the German Deposit Protection Scheme. In addition, the N26 app has many features to ensure the security of its users' bank accounts and data.
In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved—just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.
The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, the N26 You bank account costs €9.90 per month and the N26 Metal account is available for €16.90 per month. To open an N26 account, no deposit or minimum income is required.
You can easily switch your bank account to N26 from almost every German bank! Just type in the name of your current bank. Discover how to switch banks with our tool to facilitate the process.
You can open your mobile N26 account online in minutes from your phone or the N26 WebApp—no paperwork or waiting times. But best of all: Once your N26 bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
Find out more
Deposit protection scheme: why your money is protected
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From purchasing real estate to buying stocks, investing is the key to a secure and stable financial future. In this guide, learn what investing is and what you need to know to get started.
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