N26 - The bank you’ll love

✓ Bank for free — with no fees ✓ Save flexibly. Earn our best interest rate on your savings ✓ Free stock and ETF trading ✓ Travel without the fees
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Image of a N26 transparent standard card.
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.

What differentiates N26 from other neobanks?

Spend, save, and invest all in one intuitive app. N26 is the bank that lets you manage all your finances alongside your personal account. No waiting times, no hidden fees, no paperwork — just beautifully simple banking on the go.
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Performance - Table N26 Revolut.

2013

Founded

~1,500

Employees

~8 Million

Customers

~1.8 B $

Funding

N26 is simply secure

Pay it safe — we make sure your account is in safe hands. 
Security your way

Effortlessly change your PIN, set spending limits, and hide your data in the app.

Extra layers of protection

Biometric authentication and 3D secure keep your account and your money safe.

Lock and unlock your card

Instant control over your card is in your hands.

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What's next?

  1. Register online
  2. Verify your identity in a short videocall
  3. Receive your N26 Mastercard
  4. Enjoy your N26 account
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Frequently asked questions

    Launched in 2013, N26 is a bank operating with a full European banking license. We currently operate in 24 markets worldwide and have over 8 million customers.

    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.

    To open an N26 Standard bank account, you need to:
    • Be at least 18 years old
    • Be a resident of a supported country
    • Have a compatible smartphone
    • Not already have an existing N26 account
    • Have a supported ID document, applicable to the country that you’re a resident in.
    You can find further information here.

    To open your free online N26 Standard bank account, you must meet the eligibility criteria. If you do, simply sign up via the N26 website, or download the N26 mobile app onto your compatible smartphone. Opening your N26 Standard bank account requires no paperwork, and only takes a few minutes. Just remember to have an official ID ready—once we’ve verified your identity, your N26 Standard bank account will be ready to use right away.

    The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, 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.

    If you open your N26 app and click on ‘Send money’, you can activate Bizum by following the portability steps without having to go to your other bank.

*Comparison against Revolut.

Smart: 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. You: TIN 0%, APR: -2.35% 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 €9,90/month. The settlement of the account is made monthly. Metal: TIN 0%, APR: -3.98% 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 €16,90/month. The settlement of the account is made monthly. N26 Instant Savings has no minimum or maximum deposit limit. 2% AER (2% 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 300 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit. See conditions at https://n26.com 2.8% AER (3% annual NIR). With this interest rate, if you maintain a daily balance of €100,000 in your N26 Instant Savings account for 12 months, after the annual N26 Metal subscription fee of €202.80, your annual remuneration amounts to a gross amount before withholdings and taxes of €2,797.20. Interest is paid monthly. Applicable to any amount deposited in the N26 Instant Savings account, with no maximum limit. See conditions at n26.com. To benefit from this offer, you’ll need to open an N26 bank account. After that, you may open a separate N26 Instant Savings account to earn interest alongside everyday banking.