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.
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.
Grow your savings by 2.26% NIR/AER* — 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:
- 2.26% NIR/AER* interest calculated daily, paid monthly
- No minimum deposit
- No conditions or fees
- Instant access
- Available with free and premium N26 bank accounts
Start saving now
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 5 free ATM withdrawals per month, and make unlimited payments abroad with no fees, in any currency.
Discover your Mastercard
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
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
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.
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. *2.26% AER (2.26% 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 339 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com **3.8% AER (4% 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 202,8 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 3,797.20 euros. Monthly interest settlement.
FAQ
- What do I need to open an N26 Smart bank account?
- How do I open an N26 Smart account?
- What are the benefits of an N26 Smart account?
- How to open a free N26 bank account?
- What are Spaces sub-accounts?
- How much does the N26 Smart bank account cost?
- Can I manage payments and receive incoming funds from public institutions with my N26 account?
- How do Round-ups work?
- Which Spanish bank can I switch from?