The bank you’ll love
Bank, save, and invest in one beautifully simple app trusted by millions.Open free bank accountBank for free — with no hidden fees
Open your account in minutes and enjoy 100% mobile banking. Get a free virtual card and monthly ATM withdrawals.
Open and N26 Standard account
Save flexibly. Earn 2.75% p.a.*
Grow your money without locking it away. Earn our best interest rate on your savings with N26 Metal.
Discover Instant Savings
Get a world of investment choices
Start investing in your future from just €1, right in your banking app. Invest in stocks and ETFs*** with no trading fees — or let the experts do the hard work for you with one of our ready-made funds***. You can also buy and sell 350+ crypto coins****. And if you’re looking for a hands-off way to invest every month, you can set up an automated investment plan in just a few taps.
Start investing
Travel without the fees
Make free ATM withdrawals and card payments worldwide. Enjoy market-leading foreign exchange fees. And travel stress-free thanks to insurance included with N26 You and Metal.
Open an N26 You account
Switch banks in minutes
Open your N26 account and move your recurring payments in just a few taps.
Open free bank account*Interest rate is a promotional interest rate that corresponds to the current ECB deposit interest rate. Promotion offered by N26 Bank AG, Voltairestr. 8, 10179 Berlin, Germany. Promotion valid for new N26 Metal customers with an active Metal membership between January 13, 2025 and February 13, 2025. Receive the ECB deposit rate as interest on your N26 savings account for the next 6 months. You can find the detailed promotional conditions on our website.
After the 6 months, the contractually agreed interest rate applies. The interest rates on your N26 daily money account depend on your main membership with N26: 1% p.a.. for Standard and Smart, 1.3% p. a. for You and 2.5% p. a. for metal (before taxes; as of November 8, 2024). Please note that the interest rates for the respective memberships can be adjusted during the term. The general terms and conditions for N26 Instant Savings apply.
The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
**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
Looking for reassurance that your money is protected? Deposit protection schemes help secure the money in your bank account.
Investment for beginners: what is investing and how to easily get started
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.
What Is an ETF? An Overview for Beginner Investors
Everyone is talking about ETFs. Here's why — and what you need to know before investing in them.