Indicador de riesgo correspondiente a la cuenta N26 Estándar


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

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.

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 Smart—spend and save in confidence

Want even more control over your money? Upgrade to N26 Smart and save up and budget better with 10 Spaces sub-accounts—including Shared Spaces for better money management with others. Additionally, get a colorful Mastercard fitting to your lifestyle, enjoy 5 free ATM withdrawals per month and call our Customer Support phone line, 7 days a week.

Smartphone and an N26 card.
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 38 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.

Discover our most premium account

Want more from your bank account? Go premium with N26 Metal and get an exclusive metal card, additional benefits and extra peace of mind while on-the-go. Enjoy free withdrawals worldwide, zero foreign transaction fees in any currency, special partner offers, and extensive travel and lifestyle insurance.

Upgrade to N26 Metal
A hand holding a credit card.

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

What is N26?

Launched in 2015, N26 is a bank operating with a full European banking license. We currently operate in 26 markets worldwide and have over 5 million customers.

Is N26 secure?

As a bank, N26 is supervised by the Financial Markets Regulator and meets all European regulatory requirements. Our clients' funds are guaranteed up to €100,000 by the Deposit Protection Fund. In addition, the N26 app has many features to ensure the security of its users' bank accounts and data.

What are the benefits of using the free checking account?

N26 is The Mobile Bank, allowing customers to fully manage their bank account online and from their smartphone in real-time, whether they’re at home or traveling the world. There are zero exchange fees on card payments in any currency. N26 You and N26 Metal accounts also allow you to make withdrawals without foreign currency exchange fees and offer access to premium benefits—these include exclusive partner deals and offers, as well as a comprehensive package of lifestyle and travel insurance, courtesy of Allianz.

How much does it cost to open a N26 bank account?

The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 You bank account costs €9.90 per month and the N26 Metal account is available for €16.90 per month, with a 12-month commitment period. To open an N26 account, no deposit or minimum income is required.

How to open an N26 bank account?

If you meet the eligibility criteria, you can open an account with N26. Simply register via the website or by downloading the N26 mobile app to a compatible device. Opening an account only takes a few minutes and is done without paperwork—all you need is a smartphone and an official form of identification. Once you have verified your identity, your bank account will be ready to go.

Can I manage payments and receive incoming funds from public institutions with my N26 account?

N26 is not a collaborating entity of Seguridad Social or the Agencia Tributaria, an essential requirement to process public aid. Therefore, it’s not currently possible to process these types of transactions with your N26 account. Although you currently can’t either pay your taxes from your N26 account (self-employed quota, VAT, etc.), or receive benefits (pensions, unemployment benefit, Minimum Life Income, etc.) you can receive tax refunds into it—for example, tax returns.

We’re working to offer a solution in the near future, and make our customers’ day-to-day easier.