Still don't know N26?

The first online bank you’ll love

  • Free bank account with no conditions
  • Bank, save and invest from just one app
  • 2,79% AER (2,75% NIR) interest with N26 Instant Savings if you bring your Bizum
  • Pay in any currency without fees
Open Bank 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.

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!

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
Hand holding an N26 rhubarb card and in the background the N26 app.

N26 Instant Savings account

N26 Instant Savings is an easy-access savings account that’s 100% flexible and available for free in the N26 app. Grow your savings with 2% AER* interest — and dip into it anytime you need to.Earn interest on all your savings (no minimum or maximum deposit limits), and instantly withdraw anytime — without losing any interest you’ve already earned. Win-win.
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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.
Discover N26 Smart bank account
Smartphone and an N26 card.

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
The image shows the N26 Insights feature divided by expenses and income.

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

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
iphone showing apple pay feature with N26 bank account.
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

2013

Founded

~1,500

Employees

~8 Million

Customers

~1.8 B $

Funding

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Savings Account: *2% AER (2% annual NIR). With this interest rate, if you maintain a daily balance of 15,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 300 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit. See conditions at https://n26.com To benefit from this offer, you’ll need to open an N26 bank account. After that, you may open a separate N26 Instant Savings account to earn interest alongside everyday banking. 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.