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 online 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.

Free 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.

Send and receive money instantly with Bizum

Bizum is now available in all N26 accounts so you can send, receive and request money immediately, only with the recipient's phone number. In addition, you can also make payments through Bizum in electronic stores that allow it (available from October 5th). Open your N26 account and enjoy all the advantages of a 100% online bank, now with Bizum included!

Find out what documents you need to open your N26 account

We aren’t huge fans of paperwork — or of making you waste your time looking for the information you need. To make it easier for you, we explain here in detail what identity documents you need to open your N26 bank account, depending on your nationality.

See list of documents

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 Insights, the best way to understand your spending habits.

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

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 N26

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.

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 N26 Business

Make payments the easy way with Apple Pay

Tired of carrying your wallet around? We get it—which is why you can link your N26 Mastercard to Apple Pay for effortless payments right from your smartphone. Apple Pay lets you make secure, contactless payments online, in stores, or even in-app. Each transaction is verified by touch or face ID, and takes place in real-time. It’s the simple, safe, 100% mobile way to pay. 

Try Apple Pay

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.

2013
Founded
~1,500
Employees
~8 Million
Customers
~1.8 B $
Funding

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.