The bank you’ll love
Money made beautifully simple. Spend, save, budget, 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
Your free account
With a virtual Mastercard and three free domestic ATM withdrawals per month.
Simply secure
Our innovative security features keep your money and data simply secure.
24/7 support
Contact us day and night via the chat in your N26 app — in five languages.
Free withdrawals
Enjoy a set number of free domestic ATM withdrawals based on your membership, along with unlimited withdrawals across the eurozone.
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.
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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 SavingsInvest 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 also get 5 and 15 free monthly trades, respectively. And if you're curious about cryptocurrencies, we've got you covered — buy and sell almost 200 crypto coins instantly*****.
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N26 accounts — your money deserves an upgrade
N26 Standard
The free online bank account
- 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
- 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 debit card for everyday and travel
- 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
N26 Metal
The premium account with a metal card
- 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
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 finleap connect, 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?
N26 operates with a full European banking license, which protects deposits up to €100,000, as directed under EU law. We currently operate in 24 markets worldwide and have over 8 million customers.
Is N26 secure?
N26 operates with a full European banking license, which protects your N26 account up to €100,000, under EU law directives. With 3D Secure, Mastercard Identity Check and fingerprint and face recognition, the security of your online payments is always guaranteed.
How is N26 protecting my money and personal data?
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.
What documents do I need to open a bank account?
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.
How much does it cost to open a bank account?
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.
Which German bank can I switch from?
You can easily switch your bank account to N26 from almost every German bank! Just type in the name of your current bank, whether it’s comdirect, ING, DKB, Sparkasse or Volksbank. Discover how to switch banks with our tool to facilitate the process.
How long does it take to open a bank account with N26?
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
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