Risk Indicator corresponding to the bank accounts N26 Standard, N26 Smart, N26 You and N26 Metal
1/6
This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.
Entity attached to the German Deposit Guarantee Fund. The fund guarantees deposits on money up to 100,000 euros per owner of the European Union and entity.
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.
N26 Standard–the free online bank account
Discover N26 Standard, the free online bank account with zero hidden fees. Sign up online in minutes, and start spending right away with your free virtual debit Mastercard in apps, in stores, and online. Prefer a physical card? Order yours now for a one-off €10 delivery fee.
Open your free bank accountYour 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.
Insights on your spending habits
Not sure where all your money goes? Thanks to Statistics, your account uses artificial intelligence to automatically categorize your spending and shows you right in the app. Learn how to better manage your expenses, view all your transactions divided into smart sub-categories, and gain insights into your financial habits.
Learn about budgeting
How to save money with Spaces
Make saving a breeze with N26 Spaces and Shared Spaces sub-accounts, available with every N26 premium subscription. Automatically stash funds aside from your main account with Rules, or turn on Round-Ups to save up the spare change in your chosen space with every card transaction.
Living in a shared household, or making group plans? Try creating a Shared Space to easily manage your money together with other N26 customers.
Manage sub-accounts with N26Push-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.
Discover our Business Mastercard for freelancers
N26 Business is free to open online, with no account management fees. It’s the easiest business bank account to open if you’re a freelancer or you’re self-employed.
✓ Spanish IBAN
✓ 0.1% cashback
✓ Fast sign-up process
✓ 100% app-based banking: no paperwork required
Discover a new banking experience
Open your free N26 bank account from your phone. Just download the app and sign up in a few minutes.
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Smart: TIN 0%, APR: -1.17% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €4,90/month. The settlement of the account is made monthly.
You: TIN 0%, APR: -2.35% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €9,90/month. The settlement of the account is made monthly.
Metal: TIN 0%, APR: -3.98% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €16,90/month. The settlement of the account is made monthly.