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N26—your Mobile Bank

N26 exists to make your life easier. Stay on top of your finances and make the most of your money with real-time banking and innovative features—all with just a few taps on your smartphone.

Open your bank account in less than 8 minutes! Easy, secure, 100% mobile.

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Your free N26 bank account

Get your free bank account in just 8 minutes and manage your money right from your smartphone. Discover smart features that give you more control over your finances. Get a virtual Mastercard right after opening your account—and connect it with Apple Pay or Google Pay to start spending right away.

Prefer a physical bank card? Order it for a one-time delivery fee.

Open your free bank account

N26 Smart—spend and save with confidence

Discover N26 Smart—the bank account that gives you more control. Get access to a direct Customer Support hotline, and up to 10 Spaces sub-accounts to budget and save. Plus, get a colorful Mastercard debit card, free ATM withdrawals, and automatically categorized Insights to see where you're spending the most.

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Bank your way

Discover and compare which account works best for you

Open Bank Account

Financial products

Overdraft

Apply for an N26 Overdraft of up to €10,000 right in your N26 app with just a few taps. Manage all your finances directly from your smartphone, and easily keep an eye on your spending as well as your daily overdraft costs.

Learn more

Consumer credit

Want more financial flexibility? Request a loan of up to €25,000 directly in-app with N26 Credit—no paperwork involved. Compare loans and manage your payments easily right from your smartphone.

Discover N26 Credit

Flexible easy-access savings

Maximize your savings with N26 EasyFlex Savings and earn competitive daily interest rates without locking your money away. Access your funds in just 2 business days, with no minimum deposit periods. The best part? It’s completely free of charge!

Get EasyFlex Savings

Installment loans

If you need money for an urgent purchase, you can simply get an installment loan for a payment you've made in the past. This way you can increase the funds in your N26 account quickly and stay flexible.

Learn more

Withdraw and deposit cash

Enjoy 3 free ATM withdrawals per month with N26 Standard, or get up to 8 free ATM withdrawals a month with a premium N26 account. With a handy ATM locator in your N26 app, finding your nearest cash point is a matter of seconds.

No ATMs around? You can also deposit and withdraw cash with CASH26 at over 11,900 partner retail stores in Germany. The app will generate a barcode for you to show at the cash register to deposit or withdraw cash—it’s that simple.

Get Insights into your spending habits

Not sure where all your money's going? Our Insights feature automatically categorizes your spending in real time. Track regular expenses, keep a pulse on your costs, and spot opportunities for savings. Everyday budgeting has never been easier.

Learn about budgeting
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Your safety is top priority

N26 is a real bank with a full banking license. This means that your N26 account is always protected up to €100,000 by the German Deposit Protection Scheme.

We also believe in transparency. N26 has no hidden fees, and we send you push notifications for every incoming and outgoing transaction, so you always know what’s happening on your account.

Reach your financial goals with N26 Spaces

N26 Spaces are flexible sub-accounts, designed to help you organize your money or meet your savings goals. As a premium customer, create up to 10 Spaces with individual savings goals, and automatically put money aside to each space with Rules. And with Round-Ups, you can even save while you spend—we’ll round up your card purchases to the next euro.

Managing shared expenses with others? Simply create an N26 Shared Space, then invite up to 10 other N26 users to save and spend together.

Manage sub-accounts with N26 Spaces
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N26 Bank Account Customer Service Chat in App.

Customer Support in your language

Our N26 specialists are available for you day and night in English, German, French, Italian, and Spanish. Contact us via the live chat in your N26 app, or give us a ring on the priority support hotline if you’re a premium customer.

Prefer to DIY? Find answers to our most frequently asked questions in the N26 Support Center.

Go to Support Center
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Find out more

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How to open your N26 bank account

Life isn’t always easy, but banking should be.

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N26 app release notes—H1 edition

Your N26 app is constantly evolving to improve your user experience. Read on to discover what’s new with our latest app release notes from January to June, 2022.

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How to switch your bank account in Germany

Learn how to switch your German bank account manually with a few simple steps, or automatically with an online service.