Risk indicator for all N26 accounts.
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N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
Still don't know N26?
N26 gives you €20 welcome bonus
Want to know why N26 is my trusted bank?
- Best currency exchange
- No fees on payments worldwide
- No conditions
- 24/7 customer service
Terms and conditions of the promotion
Promotion offered by N26 Bank AG, Branch in Spain, with address at Paseo de la Castellana 43, 28046, Madrid. Tax identification number (NIF) W2765098E. Promotion valid from 19.03.2025 to 31.03.2025. The promotion applies to new customers who open an N26 Standard, N26 Smart, N26 You and N26 Metal account with the promotional code OPELOURON26. Only one promotional code can be used per customer. When the customer makes a transaction with their Mastercard N26 card of at least €20, they will receive another €20 in their account within one to two business days. The customer can upgrade to a premium membership, and can close their account at any time.
Save with more interest with Bizum
Open a free N26 account and link your Bizum to N26 to get 2.79%* AER on your savings. Save flexibly and dip into your savings whenever you like.Open free bank account
N26 Standard: free, no commissions, Bizum included
If you thought that 100% free and commission-free bank accounts didn’t exist anymore, that's because you haven't heard of N26 Standard yet. Get a free virtual Mastercard and enjoy two free cash withdrawals per month. Receive notifications after every transaction on your account and control your money wherever you are — no headaches.
Get N26 Free account
All in one app
N26 combines everyday banking and investing in a seamless way. That means you can manage your stocks, ETFs, and crypto portfolios without having to download another investment app. With N26, all the tools you need to build your financial wealth are in one place.
Security you can bank on
N26 is a fully licensed German bank. That means we have the same security regulations as any other bank. It also means your funds are protected up to €100,000 by the German Deposit Protection Scheme.
N26 accounts — your money deserves an upgrade
N26 Standard
The free online bank account
Virtual Card
€0.00/month
2% NIR/AER* interest on your N26 Instant Savings
Worldwide payments and no foreign transaction fees
Up to 3 free domestic ATM withdrawals
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*Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.
N26 Smart
Save + spend with premium perks
€4.90/month
N26 You
Travel with premium perks
€9.90/month
All benefits of N26 Smart, Plus
2% NIR/AER* interest on your N26 Instant Savings
Unlimited free withdrawals in foreign currencies
Insurance for delay and theft of luggage
Medical emergency cover
N26 Metal
Our most premium plan
€16.90/month
All benefits of N26 You, Plus
3% NIR (2.8% AER)* interest on your N26 Instant Savings
An 18-gram metal card
Up to 8 free ATM withdrawals per month
Priority customer hotline