The first bank you’ll love

N26 lets you manage your bank account, spend and set money aside in real-time. All 100% mobile and under one app. Open your account in a few minutes, and start making mobile payments before your physical card arrives.

A hand holding an iPhone X in their hand with the Spaces screen open on the N26 app.
A transparent N26 Standard card.

Get your free N26 debit Mastercard

Your N26 bank account comes with a free Mastercard debit card, accepted worldwide and with free withdrawals in the EU.

Bank Account

Your N26 account with Spanish IBAN

We’re a licensed bank, 100% digital and secure. Every N26 bank account is guaranteed by the Compensation Scheme of German Banks up to €100,000.

N26 Smart—spend and save with confidence

We’re introducing N26 Smart, the new premium bank account with all the tools you need to manage your account. Save up and budget better with 10 Spaces sub-accounts, and share them with up to 10 other N26 users thanks to Shared Spaces. Get a Mastercard in your choice of color and call Customer Support phone line, whenever you need. You can also get a full overview of your monthly expenses with N26 Statistics, the best way to understand your spending habits.

Smartphone and an N26 card.

Automatic categorization of your spending

Not sure where all your money goes? Your account uses artificial intelligence to automatically categorize your spending and shows you in the app.

N26 Bank Account categorising transactions for statistics.

Start saving with Spaces

Still struggling to save some money? Try Spaces, the free feature that lets you create sub-accounts for organizing your finances or putting money aside in real-time. Create a space, set your savings goal and see how close you are to reaching it.

More about Spaces
Smartphone with the N26 Spaces open on it.
N26 You Instant Push Notification about payment to an airline with two flight tickets in the background.

Push-notifications with your account activity

Stay up-to-date. Get a push notification immediately after all account activity, including card and mobile payments, ATM withdrawals, direct debits and transfers.

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

Discover a new banking experience

Open your free N26 bank account from your phone. Just download the app, sign up and receive your N26 Mastercard at home.

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