N26 Standard — the free bank account you’ll love

Ideal for your everyday needs. Get a virtual card immediately, two free domestic ATM withdrawals per month, and 24/7 chat support.
Open Bank Account
The image shows a smartphone with an N26 digital card displayed on the screen. Next to the phone are two buttons: one labeled "Add Money" with a plus symbol, and the other labeled "Send Money" with an arrow. In the top left corner, there is an icon of a wallet labeled "Main Account.".
Risk indicator for all N26 accounts.
1
/6
This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.

2013

Founded

~1,500

Employees

~8 Million

Customers

~1.8 B $

Funding

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.

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!

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.
Smartphone with the N26 Spaces open on it.

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 You Instant Push Notification about payment to an airline with two flight tickets in the background.

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
N26 Maestro Mastercard.
N26 Metal - Slate Grey.
N26 You card, Wheat.

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.
Open Bank Account

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.