Risk indicator for all N26 accounts.
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N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
N26 Standard
N26 - Enjoy the online bank
Leave traditional banking behind, forget unexpected fees, restricted hours, long lines at the branch, paperwork and endless calls among many others.N26 is the online bank that will boost your finances, without fees, available 24 hours a day, 7 days a week, total transparency, quick procedures, secure and immediate.
2013
Market Launch
24
Markets
~8 million
Customers
A full banking license
since 2016
N26 - The most secure bank
N26 is a fully licensed German bank. Your funds are protected up to €100,000 by the German Deposit Protection Scheme.Lock and unlock your card, change your PIN, set spending limits, and hide your sensitive data.Biometric authentication to extra layers of protection like 3D Secure and real-time push notifications. Your account can only be paired with your own smartphone.
Forget about hidden fees forever
At N26 don't deal with hidden fees or meet unfair requirements, just to manage your money. Enjoy your N26 account knowing that you’ll never have to meet any unnecessary conditions, deal with sudden changes, or get any surprise charges.Open an N26 account today, and put traditional bank branches behind you.
All features in one account
- Free bank account
- No conditions
- Free virtual debit Mastercard
- Send and receive money instantly with Bizum
- Pay in any currency with no fees
- Withdraw from any ATM
- Send and receive money instantly with Bizum and free SEPA transfers
- Earn interest with N26 Instant Savings
- Pay with Apple Pay or Google Pay
Grow your money with Instant Savings
Earn 2.26% AER* interest on all your savings. Withdraw money at any time and with no penalties whatsoever. Join N26 and watch your money grow:
- 2.26% AER* interest calculated daily, paid monthly
- No minimum or maximum deposit limits
- No conditions or fees
- Instant access
What's next?
1. Register online2. Verify your identity in a short videocall3. Receive your N26 Mastercard4. Enjoy your N26 account
N26 accounts — your money deserves an upgrade
N26 Standard
The free online bank account
Virtual Card
€0.00/month
1,25% AER/NIR* interest on your N26 Instant Savings
Worldwide payments and no foreign transaction fees
Up to 3 free domestic ATM withdrawals
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*Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.
N26 Smart
Save + spend with premium perks
€4.90/month
N26 Go
Travel with premium perks
€9.90/month
All benefits of N26 Smart, Plus
1,5% AER/NIR* interest on your N26 Instant Savings
Unlimited free withdrawals in foreign currencies
Insurance for delay and theft of luggage
Medical emergency cover
N26 Metal
Our most premium plan
€16.90/month
All benefits of N26 Go, Plus
2.5% AER (3% NIR)* interest on your N26 Instant Savings
An 18-gram metal card
Up to 8 free ATM withdrawals per month
Priority customer hotline
Frequently asked questions
- 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.
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:
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.
Your N26 Standard bank account is 100% mobile and free of charge, adding extra flexibility and convenience to your everyday. No more visiting bank branches, waiting in queues, or inconvenient opening hours. You can send, receive, and manage your money all in one app for free—from anywhere, at any time.
You’ll get a free Mastercard virtual card to pay with your smartphone in-stores, online, and in apps using Apple Pay or Google Pay. You can also withdraw cash for free 2 times per month at any NFC-enabled ATM with the contactless symbol. Plus, enjoy learning about your spending habits with Insights, a smart tool that automatically categorizes your spending in real time.
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 Go 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.
Yes, N26 is a collaborating entity with Social Security, which is essential to be able to process public benefits and pay some taxes, so you can process these types of benefits with N26 accounts. This means that it is possible to pay some taxes from your N26 account (such as self-employment tax, VAT, personal income tax, etc.), and to collect social benefits (such as pensions, sick leave, unemployment or family benefits, Minimum Living Income, etc.).
We continue to work to make our customers' day-to-day life easier through beautifully simple banking.
You can easily switch your bank account to N26 from almost every Spanish bank! Just type in the name of your current bank, whether it’s Bankia, BBVA, Santander, ING, Sabadell or CaixaBank. Discover how to switch banks with our tool to facilitate the process.
Savings Account: *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 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.
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.
Go: 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.