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.

Get one free year of N26 Business Smart with Malt x N26

Calling all freelancers! Are you ready to discover smarter business banking? Together with Malt, we’re rewarding you with one free year of N26 Business Smart—our premium bank account designed exclusively for freelancers.

Enjoy 100% mobile banking on-the-go wherever business takes you, and save, budget, and spend your way with N26 Business Smart. You’ll even get 0.1% cashback on all card purchases, so you can earn as you spend.

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Open your N26 Business Smart account now

Claiming your free year of N26 Business Smart couldn’t be easier. Simply open an N26 Business Smart bank account using the link below, and we’ll automatically apply this special offer.

So, what are you waiting for? Switch to N26 Business Smart now and start enjoying all your premium benefits.

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0.1% cashback on all card payments

The more you spend, the more you save with N26 Business Smart. Get 0.1% cashback on all the payments made with your N26 Mastercard debit card, and reinvest it back in your business. This cashback is credited directly into your N26 bank account each month so you don’t have to do anything from your side.

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N26 You Timeline Feature in App.
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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.

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Save up with Spaces sub-accounts

Find a better way to save money more efficiently with our iconic N26 Spaces sub-accounts. Get 10 additional Spaces to achieve your personal financial goals, or share them with up to 10 other N26 users to pool money together for common goals. Need to save money even faster? Activate *Round-up rules and round up your transactions automatically to the nearest euro, and transfer the difference to a Space.

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image of two N26 subaccount showing the "main account" and "Back to college" spaces to budget money.

Master your spending with Statistics

Ready for a simple and quick view of your finances? Meet N26 Statistics, the intelligent feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on ‘Shopping,’ ‘Bars & Restaurants,’ ‘Groceries,’ and more—all it takes is a quick glance to stay on track with your monthly budget. Plus, with a clear overview of your upcoming regular payments, it’s never been easier to plan ahead and stay on top of your finances.

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Special offers to move your business forward

Access a wide range of exciting partner offers, hand-picked to help you make the best out of your business. Explore deals and discounts from the likes of Google Ads and Fiverr, and treat yourself to perks from big names such as Blinkist or Lime for that perfect work-life balance.

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Keeping your account secure

3D Secure

Add an extra layer of security to your online purchases with Mastercard 3D Secure, the most advanced two-factor authentication technology.

Real-time notifications

Receive push notifications on your smartphone after all account activity, and always stay informed of every incoming and outgoing transaction.

Smart ID

Access your bank account faster and safer by using your fingerprint or face ID when logging in.

Your funds are protected up to €100,000

We’re a fully licensed European bank, and whatever happens, your funds are protected up to €100,000.

Customer Support via phone and chat

Whether you need our help or just have a question, 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—packed with answers to the most frequently asked questions—reach out to our specialists via in-app chat, or simply call our customer service hotline and speak to a real human.

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