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.
Your card, your style
Use your virtual card from the get-go, and order a Debit Mastercard in your choice of five colors — free1 with N26 Smart.
Save without limits
Deposit as much money as you want, move it any time, and earn interest2 while you do it.
Every cent in its Space
Stay organized with 10 Spaces sub-accounts. Divide your money to plan for your goals, or set aside funds for expenses.
Set it, then forget it
Automations like Income Sorter, Round-ups, and Rules for Spaces give you total control over your saving and budgeting.
Switch banks in minutes
Open your N26 account and move your recurring payments in just a few taps.
1 N26 Smart, Go, and Metal customers get up to six free virtual cards. N26 Standard customers get one free virtual card; extras are €2.59 each. The physical Mastercard is included in the €4.90 monthly plan fee.
2 Interest rates vary depending on your membership, are subject to withholding tax, and may change at any time. Learn more here.
FAQ
- Be over the age of 18
- Live in an eligible country
- Have your own smartphone
- Not yet have an account with N26
- Have a valid ID
- Be able to verify yourself in one of our supported languages: English, French, German, Italian, or Spanish
You must meet the following requirements to open an N26 Smart account:
Once you've checked that you meet our basic requirements, just download the N26 app to sign up.
Forget the paperwork — opening an N26 Smart account only takes a few minutes. All you need is a valid ID. Once we’ve verified your identity, your virtual Debit Mastercard is ready to use right away. N26 Smart is a paid plan, but if you’re looking for an account with no maintenance fees or minimum deposit requirements, you can also choose N26 Standard.
The N26 Smart account costs €4.90 per month.
N26 Smart is a bank account that comes with a physical N26 Mastercard, up to six virtual cards, and three free ATM withdrawals in the eurozone per month. As an N26 Smart customer you’ll also have access to innovative banking features that make saving and managing your finances easier. Thanks to Insights, you’ll also always have a detailed overview of all your spending.
Budgeting and saving is simple with N26 Smart. Create up to 10 sub-accounts with Spaces, including Shared Spaces to save and spend with others. You can even link a virtual card to a Space to spend directly from it.
With N26 Smart you can also have a flexible Instant Savings account that lets you grow your money and access it when you need it. Interested in investing? Build your portfolio with crypto, stocks, and ETFs right in your N26 app.
For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.
With N26 Smart, you can get up to two physical Debit Mastercards, available in five distinct colors — Ocean, Sand, Rhubarb, Aqua, and Slate. While your first physical card and up to six virtual cards are included at no extra cost, you also have the flexibility to order a second physical card for a one-time fee of €10.
N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a Smart customer, create up to 10 Spaces sub-accounts in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund.
Try using Rules to automatically set your bill money aside to a Space. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account. You can also link a virtual or physical card to a Space to make payments directly from it.
If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other N26 customers.
Find out more about Spaces and Shared Spaces here.