Risk Indicator corresponding to the bank accounts N26 Standard, N26 Smart, N26 You and N26 Metal


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 Real-time banking

Instant payments and money transfers

Send and receive money with MoneyBeam for free, get incoming payments with SEPA Instant Credit Transfer, and top up your N26 account balance in seconds.

Instant payment notification on a smart phone.
Customer sends 14.50 Euro via N26 MoneyBeam.

MoneyBeam instant payments

With N26 MoneyBeam, send, receive or request money from your contacts listed in the N26 app, or add contacts with just an email or phone number.

Incoming SEPA Instant Credit transfers

Get money into your bank account fast with SEPA Instant Credit Transfer—a swift and convenient way to receive incoming emergency funds and urgent payments from family and friends.

Petrol N26 App with red notification.
N26 Instant Top Up notification on a smart phone.

New account top-up in seconds

Ready to get started with N26 right away? After signing up, instantly deposit funds into your new account through a debit card—this is a one-off payment you can initiate right in the app without having to wait.


What is an instant payment?

An instant payment is a money transfer that takes place in a matter of seconds, instead of requiring a few days to complete. With an N26 bank account, you can instantly top up your account through a debit card after signing-up, send and receive instant transfers with MoneyBeam, and get incoming payments with SEPA Instant Credit Transfer.

How much does an instant payment cost?

It doesn’t cost anything to make or receive an instant payment transfer with MoneyBeam, or get an incoming SEPA Instant Credit Transfer.

Can I send an outgoing SEPA Instant Credit Transfer?

No. Currently, your N26 bank account only lets you receive incoming instant payments with SEPA Instant Credit Transfer. However, you can use MoneyBeam to send outgoing payments to other N26 customers listed in your app. More information about when outgoing SEPA Instant Credit Transfer payments will be available to follow.