Risk indicator for all N26 accounts.
1/6
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.
Love your bank
Welcome to the future of banking — beautifully simple, 100% mobile, and trusted by millions.
This is how I bank
What’s your unique way of banking? Whether here, there — or even in your underwear — N26 makes banking stress-free, so you can manage your money exactly how you want.
The free bank account that makes life easy
Not a fan of waiting times, hidden fees, or paperwork? Us too. Get a bank account with a virtual card and 24/7 support — and manage your money on the go.
Open N26 Standard Account
Grow your savings by 2.26% AER — only with N26
With N26 Instant Savings, your savings can earn you interest — and you can still dip into it whenever you need. Join N26 and start growing your savings:
- 2.26% AER interest calculated daily, paid monthly
- No minimum or maximum deposit limits
- No conditions or fees
- Instant access
- Available with free and premium N26 bank accounts
Discover N26 Crypto
Say hello to N26 Crypto! So easy to try — it’s just a few taps away from your cash in the N26 app. Plus, you’ll get instant trades, clear insights, and access to almost 200 coins.
Take a Look
Investing in crypto assets is not regulated, may not be suitable for retail investors and the entire amount invested may be lost. It is important to read and understand the risks of this investment, which are fully explained here.
N26 Crypto is offered by Bitpanda GmbH.
Are you self-employed? We’ll return 5% of your fees*
At N26, we know how difficult it is to go it alone. So if you're self-employed, we'll refund 5% of your fees each month for 12 months. All you have to do is set up a direct debit from your N26 Business account to pay your freelancer fees before April 30th 2024. Because one day, someone believed in our project, and today we believe in yours.
Learn more
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!
The free bank account for your day-to-day needs
As a collaborating entity of Spain’s Social Security, you can have your benefits paid directly into your N26 account when you have a Spanish IBAN. Open your free bank account and start receiving your parental leave payments, unemployment benefits, and other financial support.
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
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.
__*2.26% AER (2.26% annual NIR). With this interest rate, if you maintain a daily balance of €15,000 in your Instant Savings account for a period of 12 months, you’ll earn a total gross interest of €339. Applies to all your savings, no maximum limit. __