The bank you’ll love

Money made beautifully simple. Spend, save, and invest in one intuitive app that's trusted by millions.

Germany's most popular neobank in 2023

N26 has been named 'Germany's most popular neobank' by Focus Money magazine*. Each year, the economics magazine evaluates digital bank favorability across the industry through bank reviews and relevant online resources.
Open Free Bank Account
N26 app and a transparent N26 card with the Beliebteste Banken Money badge.
An N26 virtual card with a map highlighting cash points in the background.

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
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24/7 support

Contact us day and night via the chat in your N26 app — in five languages.

Visit our Support Center
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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.
Open Free Bank Account
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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 4%*** p.a. It’s yet another benefit of our most premium bank account.
Discover Instant Savings
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Invest in stocks, ETFs, and crypto

Start investing in your future from just €1 — right in your banking app. Invest in stocks and ETFs**** with just a few taps and at a transparent, flat rate of €0.90 per trade. N26 You and Metal customers get 5 and 15 free monthly trades, respectively. Set up a fully-flexible automated investment plan —  available for all memberships at no extra cost. And if you want to, you can invest in almost 200 cryptocurrencies, as well*****.
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Gymnast wearing teal color clothes and holding a mobile with the N26 app open. In the foregound there is pop up displaying the balance and profitability in the Stocks and ETFs account and Crypto account.

N26 accounts — your money deserves an upgrade

N26 Standard

The free account for your everyday banking needs

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • 1.26% 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

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.

€4.90/month

All benefits of N26 Standard, Plus
  • 2.26% interest p.a. on your N26 Instant Savings

  • Up to 10 Spaces sub-accounts

  • Customer support hotline

  • Virtual and physical card

N26 You

The all-in-one account for banking and travel

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Ash.
N26 You card, Teal.

€9.90/month

All benefits of N26 Smart, Plus
  • 2.26% interest p.a. on your N26 Instant Savings

  • 5 free monthly trades on stocks and ETFs

  • Up to 5 free domestic ATM withdrawals

  • Travel insurance

MORE INTEREST

N26 Metal

The premium bank account with a metal card

N26 Metal - Charcoal Black.
N26 Metal - Slate Grey.
Quartz Rose - N26 Metal Card.

€16.90/month

All benefits of N26 You, Plus
  • 4% interest p.a. on your N26 Instant Savings

  • 15 free monthly trades on stocks and ETFs

  • Up to 8 free domestic ATM withdrawals

  • 18-gram metal card

N26 You card, Petrol.
N26 Metal - Charcoal Black.
Transparent N26 Standard 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.

*The test was run by Focus Money in cooperation with Deutschland Test and the IMWF Institut, and published in Focus Money magazine on 22/03/2023. The evaluation is based on bank rating portals, social listening, and a questionnaire. Read more about Focus Money's review here. **The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. ***The interest rates vary based on your membership: 4% p.a. for Metal, 2.26% p.a. for You and Smart, and 1.26% p.a. for Standard accounts. Please note that regular rates per membership are subject to change 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 and ETFs. These statements also do not constitute an offer to conclude a contract for the purchase or sale of stocks and ETFs. Stocks and
ETFs 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.

  • Is N26 a bank?
  • Is N26 secure?
  • How is N26 protecting my money and personal data?
  • What documents do I need to open a bank account?
  • How much does it cost to open a bank account?
  • Which German bank can I switch from?
  • How long does it take to open a bank account with N26?

Find out more

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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.

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Investment for beginners: what is investing and how to easily get started

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Everyone is talking about ETFs. Here's why — and what you need to know before investing in them.