N26 Smart

The bank account for better money management

Spend and save with confidence with a bank account that adapts to your lifestyle. Discover a new way to budget directly from your smartphone—it’s easy and secure.
Open N26 Smart account
Image of a mobile phone showing a subaccount on the screen and a black debit card in the side.
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.

Grow your savings by 1.5% AER/NIR* — 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:
  • 1.5% AER/NIR* interest calculated daily, paid monthly
  • No minimum deposit
  • No conditions or fees
  • Instant access
  • Available with free and premium N26 bank accounts
N26 Metal customers enjoy our highest interest rate: 2.3% AER (2.5% NIR)*. It’s yet another benefit of our most premium bank account.
Start saving now
Woman dressed in blue, sitting, and holding her cell phone with the N26 application open. In the foreground, image of the 1.5 % p.a. interest rate, balance in the main account, and in the savings account.

Stocks and ETFs the simple way

How about investing in your future without having to leave your banking app? With N26, you can buy stocks and ETFs right from your phone. Get 15 free trades every month when you upgrade to N26 Metal — and 5 with N26 You. 
Discover Stocks and ETFs
Gymnast wearing teal color clothes and holding a mobile with the N26 app open. In the foregound there is pop up displaying the balance and profitability in the Stocks and ETFs account and Crypto account.

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!

A debit Mastercard, accepted worldwide

Choose your own style for your N26 debit Mastercard—Ocean, Sand, Rhubarb, Aqua or Slate. Enjoy 3 free ATM withdrawals per month, and make unlimited payments abroad with no fees, in any currency.
Discover your Mastercard
hand holding a N26 debit card with the words "Spend" and "Save" in the background.

Save up with Spaces sub-accounts

Find a better way to save money more efficiently with our iconic N26 Spaces sub-accounts. Get 10 additional Spaces to achieve your personal financial goals, or share them with up to 10 other N26 users to pool money together for common goals. Need to save money even faster? Activate Round-up rules and round up your transactions automatically to the nearest euro, and transfer the difference to a Space.
image of two N26 subaccount showing the "main account" and "Back to college" spaces to budget money.

Master your spending with Insights

Ready for a simple and quick view of your finances? Meet N26 Insights, the intelligent feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on ‘Shopping,’ ‘Bars & Restaurants,’ ‘Groceries,’ and more—all it takes is a quick glance to stay on track with your monthly budget. Plus, with a clear overview of your upcoming regular payments, it’s never been easier to plan ahead and stay on top of your finances.
Learn about budgeting

Get the most out of your money

Access special partner offers thanks to N26 Perks. We offer you a wide range of selected discounts with brands like Mubi, Blinkist or Lime—these offers are constantly changing and evolving so you always have the opportunity to experience something new.
View partner offers
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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.

Easy, flexible and 100% mobile

Forget about stepping a foot in a bank branch ever again. N26 Smart offers you the possibility to manage your money easily and securely—anywhere in the world, and directly from your smartphone or the WebApp. No paperwork, no queueing.
image showing four images of N26 features.

Keeping your account secure

3D Secure

Add an extra layer of security to your online purchases with Mastercard 3D Secure, the two-factor authentication technology.

Real-time notifications

Receive push notifications in your smartphone after all account activity, and stay always informed of every incoming and outgoing transaction.

Smart ID

Access your bank account faster and safer by using your fingerprint or face ID to log in.

Your funds are protected up to €100,000

We’re a fully licensed European bank, and your funds are always protected up to €100,000.

Customer Support via phone and chat

Do you have any issue or query? Our Customer Support is available for you, 7 days a week in multiple languages–Spanish, English, French, German and Italian. Feel free to visit our Support Center—full of answers to the most frequently asked questions—contact our specialists via the in-app chat, or call us directly on the premium customer phone line.
Visit our Support Center

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. Everytime you make a transaction using your N26 card, we round it up to the next full-euro amount. For instance, if you spend €15.20 at a restaurant—and you activate Round-ups—we’ll automatically round this amount up to €16. The remaining €0.80 will be transferred to your selected space. *1.25% AER (1.25% 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 187.50 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, for all new customers who open the N26 Savings Account before February 6, an additional 0.25% bonus will be added to the previously mentioned interest rate. This bonus will be calculated daily based on the annual nominal interest rate until February 5, 2025. 2.05% AER (2.25% annual NIR). With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, discounting the annual amount of the subscription to the N26 metal category of 202.80 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,047.2 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, for all new customers who open the N26 Savings Account before February 6, 2025, an additional 0.25% bonus will be added to the previously mentioned interest rate. This bonus will be calculated daily based on the annual nominal interest rate until February 5, 2025.

FAQ

    You can open an N26 Smart account via the N26 app on your smartphone or the web app. You’re eligible if:

    To open an N26 Smart account, you must meet our eligibility criteria. If you do, simply register on our website, or by downloading the N26 app onto a compatible smartphone. Opening an account takes only a few minutes and is done without paperwork. Once you’ve verified your identity, your bank account will be ready to use. For more information on opening an N26 You bank account, as well as the documents that you need, visit our Support Center.

    N26 Smart is a premium membership bank account that comes with a colorful debit card and N26 features to spend and save with confidence –like Insights, which allow you to keep track of your spending in real time– and 10 Spaces sub-accounts –including Shared spaces– to budget your money and achieve your financial goals. You’ll also get exclusive partner deals, 3 free ATM withdrawals per month and free foreign currency payments worldwide. See T&C’s for full details and availability.

    To open your free online N26 Standard bank account, you must meet the eligibility criteria. If you do, simply sign up via the N26 website, or download the N26 mobile app onto your compatible smartphone. Opening your N26 Standard bank account requires no paperwork, and only takes a few minutes. Just remember to have an official ID ready—once we’ve verified your identity, your N26 Standard bank account will be ready to use right away.

    Each space created with Spaces is a bank account that sits parallel to your main N26 account. That basically makes them similar to a savings account; they hold your money but can’t be used for spending or transactions. With N26 Smart you can create up to 10 Spaces. You can use a Space to save towards a specific goal or to simply keep your savings separated from your main account. Shared Spaces lets you create sub-accounts and share them with up to 10 other N26 users. Thus you can budget for a common goal such as your next trip, or manage the house bills with your flatmates. And for saving even faster, you’ll also be able to round up your transactions, automatically transferring the difference to your selected Space.

    An N26 Smart bank account costs €4.90 per month, and has a minimum period of 1 year.

    Yes, N26 is a collaborating entity with Social Security, which is essential to be able to process public benefits and pay some taxes, so you can process these types of benefits with N26 accounts. This means that it is possible to pay some taxes from your N26 account (such as self-employment tax, VAT, personal income tax, etc.), and to collect social benefits (such as pensions, sick leave, unemployment or family benefits, Minimum Living Income, etc.). We continue to work to make our customers' day-to-day life easier through beautifully simple banking.

    Everytime you make a transaction using your N26 card, we round it up to the next full-euro amount. For instance, if you spend €15.20 at a restaurant—and you activate Round-ups—we’ll automatically round this amount up to €16. The remaining €0.80 will be transferred to your selected space.

    You can easily switch your bank account to N26 from almost every Spanish bank! Just type in the name of your current bank, whether it’s Bankia, BBVA, Santander, ING, Sabadell or CaixaBank. Discover how to switch banks with our tool to facilitate the process.

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