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Bank for free with no hidden fees

Open your account with no paperwork. Get a free virtual card and monthly ATM withdrawals*.
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.

Money made simple

Organize your money in 10 Spaces sub-accounts and add a dedicated IBAN or virtual card to pay directly from a Space. Included with our premium plans.
A person's hand holds a smartphone displaying the N26 banking app. The app shows the main account balance of 8,873,26 € and recent transactions like "Coffee & Co." and "To Travel.".

Bank better together

Get a free joint account with a dedicated IBAN and spending insights to simplify your shared finances.

Security you can trust

As a fully-licensed German bank** built on the latest technology, we use advanced security measures to keep your money safe.

Get 24/7 support

Message our chatbot 24/7, or talk with Customer Support daily from 07:00–23:00 in English, German, French, Italian, or Spanish.
The image shows two N26 bank cards on a teal background. One is a transparent card with a visible chip and black header, placed behind a solid green N26 Mastercard with the Mastercard logo in the bottom right corner.

Switch banks in minutes

Open your N26 account and move your recurring payments in just a few taps.
Open bank account

*No account management fee for N26 Standard Account. For all other account plans, fees apply. See List of Prices and Services for current fees. **The money in your N26 bank accounts is protected up to €100,000 by the German Deposit Guarantee Scheme.

FAQ

    Opening an N26 account is fast, digital, and hassle-free. All plans include zero hidden fees, real-time spending alerts, easy budgeting tools, and a set number of free ATM withdrawals per month in the Eurozone. Top-tier security keeps your money safe, and you can manage your banking, savings, and investments right from your phone.

    N26 has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customer's online payments is always guaranteed.

    You can open an account online in minutes from your phone or the N26 WebApp — no paperwork or waiting times. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.

    N26 Standard has no monthly fees and no fees for everyday transactions. Depending on your plan, you’ll get anywhere from 2 to 8 free monthly ATM withdrawals. Some plans have monthly costs and come with additional travel and insurance benefits.

    Yes! All N26 cards let you withdraw money at foreign ATMs. All plans include free ATM withdrawals within the Eurozone. N26 You and Metal also have unlimited free ATM withdrawals abroad in the local currency, while Standard and Smart users only have to pay a 1.7% conversion fee.

    You can open your online bank account with N26 in minutes from your phone or the N26 web app. There's no paperwork or waiting times.

    You can easily switch your bank account to N26 from almost every bank! Just type in the name of your current bank. Discover how to switch banks with our tool to facilitate the process.