Entity attached to the German Deposit Guarantee Fund. The fund guarantees deposits on money up to 100,000 euros per owner of the European Union and entity.


This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.

N26 Standard

The free online bank account from N26

Your N26 online bank account comes with everything you need to spend, save and keep track of your money, all under one app. Open yours in a few minutes, and start making mobile payments before your physical card arrives.

Standard N26 card on top of a brick.

The free online bank account from N26

Every N26 online bank account comes with a free Mastercard debit card, accepted worldwide. Use your app to set daily spending limits, lock or unlock your card and reset your PIN anywhere in the world, 24/7.

N26 You Spaces Overview in App.

Personalized savings with N26 Spaces

Find a better way to manage your money and save up for something special like a new car or a personal project, thanks to N26 Spaces sub-accounts. Give your space a name, set a financial goal, then drag and drop money over in just a few taps. Create personalized savings Rules to save easily, and keep track of how close you are to achieving your target.


Track your expenses with Statistics

Your salary comes in, you pay for your coffee with card (or your mobile phone) and transfer money to friends—your free bank account tracks and recognizes your transactions. Thanks to automatic spending categorization, always receive an up-to-date overview of your current expenses.

With #tags, you can further personalize the system. And when you go to file your tax return, simply export your transaction history as a CSV file via the WebApp.

N26 Bank Account categorising transactions for statistics.

Headache-free instant payments

After signing up, instantly top up through a debit card to get money into your account. Make bank transfers for free using N26 MoneyBeam in real-time – send, receive or request money from your contacts listed in the N26 app, or to new ones with just an email or phone number.

Need to get funds into your account straight away? Avoid the worry, and receive incoming payments with SEPA Instant Credit Transfer in seconds.

N26 Bank Account Moneybeam example transaction.
N26 Bank Account Transferwise example transaction.

Make international money transfers with TransferWise

Send money in 19 different currencies using the Transferwise feature built inside the N26 app and save up to 6 x more than you might with traditional banks.

Secure online banking with N26

Mastercard SecureCode - Icon - N26 Security.

Your N26 Mastercard is 3D Secure

3D Secure (3DS) protects you when making purchases online. With Mastercard Identity Check, your online card payments are extra secure so you have one less thing to worry about.

Never skip a beat with instant push-notifications

With real-time push-notifications after every transaction—whether you're paying in store or online, receiving your salary, or withdrawing money from the ATM—you'll always have an eye on each and every financial move.

Can’t find your card? Keep calm, you’re in control

Adjust the security settings of your N26 account directly from the app, at any hour. Easily lock or unlock your card, change your PIN, and reorder your card with a simple tap. No fuss, no hassle.

Secure fingerprint identification

Always struggling to remember your login details? Forget typing in your password every time you want to access your N26 account. Instead, use fingerprint recognition or Face ID for a fast and secure login.

Banking on the big screen

If you’d rather manage your account on a bigger screen, we’ve got you covered. Log in to N26 WebApp on your desktop or a browser on another device. Your account, your choice.

Your transaction history at your fingertips

Download your balance statements at any time with just a few clicks on the N26 WebApp. And when you go to file your tax return, simply export your transaction list as a CSV or PDF file for easy printing.

N26 Support speaks your language

Run into any problems, or just have a question? Whatever the issue or need, our Customer Service team is always on-hand to help you in English, French, German, Spanish and Italian. Contact them via email, or connect via chat with an N26 expert right through your app.

N26 Bank Account Customer Service Chat in App.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Want even more? Enjoy special perks with N26 You and Metal

N26 You and N26 Metal premium accounts come packed with features to enhance your everyday. Get access to hand-picked, every-changing partner deals and offers, and stay protected with extensive travel and lifestyle insurance courtesy of Allianz. It’s a new generation banking experience that has you covered.

Frequently asked questions