• Standard

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    Bank with more control

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    Bank at home or on the go

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    Freelancers bank for free

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    Manage your business with more control

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    Manage your business on the go

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    Premium banking with cashback for your business
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  • Highlights
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    Banking featuresYour money made simple
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    Instant SavingsEarn interest flexibly
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    SpacesGuide to interest rates
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    All investment optionsYour portfolio, your way
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    Stocks and ETFsTrade from €1
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    CryptoBuy and sell 300+ coins
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    Ready-made fundsFunds managed by pros
     
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    Flexible Cash FundMake your money work harder
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    Savings plansAnalyzing stocksGuide to ETFsGuide to stocksInvesting for beginners
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    Credit and loans Extra money made simple
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    Travel benefits Borderless banking
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    Travel eSIMData in 100+ countries
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    Travel Insurance Protección contra imprevistos
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    Exchanging currencyForeign transaction feesUsing your card abroad
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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.

The first bank you’ll love

N26 is built on a simple vision: to change the relationship people have with money for the better. Today, millions of customers across Europe use N26 to spend, save, invest and manage their everyday finances with confidence – all from one secure, intuitive experience designed around their needs.
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.

A bank designed to empower you

For too long, hidden fees, complicated jargon and unnecessary bureaucracy have made banking feel frustrating and inaccessible. That’s why at N26, we’re focused on making everyday finances simpler, more transparent and easier to manage.
From spending and saving to investing, travel and family finances, N26 gives you the tools to manage your money securely and confidently – all from your smartphone.
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Innovation you can trust

At N26, our customers are at the heart of everything we do. That’s why although N26 was founded in Germany, we opened a Spanish branch in 2019 to better serve your daily needs. By joining N26, you enjoy the best of both worlds—your bank account comes with a Spanish IBAN for effortless local payments, and your money is guaranteed up to €100,000 by the German Deposit Protection Scheme.
N26 Local IBAN Spain.

Our Story

2013

N26 is founded in Berlin, pioneering a new way of digital banking in Europe.

2015

We launch Europe’s first mobile bank accounts, showing that managing money on the go can be simple, transparent and intuitive.

2016

We become the first digital bank to be granted a full German banking license. Customer deposits are protected up to €100,000 under the German Deposit Protection Scheme.

2019

With the launch in Slovakia, N26 reaches its 24th European market – bringing modern, mobile banking to millions of customers across Europe.

2023

We continue expanding our financial product offering with N26 Crypto, N26 Instant Savings and N26 Stocks and ETFs trading, making it easier for customers to spend, save and invest, all in one app.

2024

N26 breaks even mid-2024 and reports its first profitable quarter, marking a major milestone in the company’s long-term growth and sustainability.

2025

We expand beyond traditional banking with local mobile plans and international eSIMs covering 100+ destinations, available directly in the N26 app.

2026

We launch N26 for Under18s, empowering the next generation to take their first confident steps into everyday banking and money management.

Meet the Leadership Team

N26 is powered by a global team united by a mission to change the world’s relationship with money for the better.
Meet the leadership team guiding N26's strategy, growth and continued evolution as a trusted partner for millions of customers across Europe.
Meet the Leadership Team

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Blog

Check out the N26 blog for more about us and expert tips on managing your money.

FAQ

  • N26 is not a prepaid card. N26 is not part of another bank. N26 is not just a fintech company. N26 is a fully licensed bank.