N26 Smart

The new everyday account for smarter saving and spending

  • Seamless customer phone support
  • Easy saving with N26 Spaces
  • Cash withdrawals, without the catch
  • Intelligent security to safeguard your money
Image of a mobile phone showing a subaccount on the screen and a black debit card in the side.

Say hello to N26 Smart, the latest account from your favourite mobile bank, that gives you all the tools you need to spend and save with confidence.

Forget waiting in a bank branch, or sifting through paperwork—this 100% mobile account comes with phone and chat support, and puts premium banking back in your hands. And you’ll get a colorful Mastercard to spend with in style so you can finally ditch the cash, and go fully contactless.

image showing four images of N26 features.
N26 Premium Metal dedicated phone support.

Seamless customer phone support

Sign up for an N26 Smart account, and enjoy direct access to customer support via your customer support hotline, reserved only for premium N26 customers.

This is in addition to our in-app chat support—so when you can’t quite find the answer you’re looking for, just give us a call and speak to a real human. We’ve got you covered.

Easy saving with N26 Spaces

With N26 Smart, you can create up to 10 sub-accounts for putting money aside—whether it’s for your dream car, or a fun day out with friends.

Set saving targets in the app and monitor your progress in real-time. You can also make Rules to move money automatically from your main account to each space, anytime.

image of two N26 subaccount showing the "main account" and "Back to college" spaces to budget money.
hand holding a N26 debit card with the words "Spend" and "Save" in the background.

Caffeine addict that can’t live without your daily €2.80 coffee? Ease your conscience and transfer €0.20 to a sub-account each time you buy one.

With Round-ups, automatically put aside change from a purchase into a savings space—this way, even your spending can equal saving.

Cash withdrawals, without the catch

With N26 Smart, it’s free to take out cash from an ATM, up to 5 times a month. Your Mastercard debit card is accepted worldwide, and is available in a choice of colors so you can add some personality.

You can also make free payments in any currency, and pay only 1.7% on foreign currency cash withdrawals.

image of the statistics feature of N26 bank account showing the spend in groceries.

Spending knowledge gives you power

Ever check your balance and wonder how that happened? The Statistics feature sorts your purchases into handy categories, so you know exactly where your money has gone each month.

And naturally, understanding your spending empowers you to make better budgeting choices down the line.

Reap the rewards

Enjoy fabulous offers and deals from a host of world-class brands such as Lime, TIDAL and Mubi. Whatever you’re interested in, make your money go a little further with ever-changing discounts—all found directly in the N26 app.

woman pointing a sign in a magazine page.

Intelligent security to safeguard your money

Multi-step authentication—including biometric identification and FaceID, and Mastercard 3D Secure—further protects your money against fraud.

And if you lose your card, simply lock it with a few taps, or change your PIN if it’s nowhere to be seen. Your funds are always fully secured and guaranteed up to €100,000 by the German Deposit Protection Fund.

Spend and save in confidence

Enjoy intelligent features that help you live and bank your way for just €4.90 per month. Open your account in a few minutes from your smartphone—no paperwork needed.

N26 You card, Petrol.
Register online
Verify your identity in a short videocall
Receive your N26 Mastercard
Enjoy the bank the world loves to use


What do you need to open an N26 Smart account?

You can open an N26 Smart account via the N26 app on your smartphone or the web app. You’re eligible if:

  • You’re at least 18 years old
  • You’re a resident of a supported country
  • You have a compatible smartphone
  • You don’t already have an account with us
  • You have a supported ID document, applicable to the country you’re resident in. Find further information here.

How do I open an N26 Smart account?

To open an N26 Smart account, you must meet our eligibility criteria. If you do, simply register on our website, or by downloading the N26 app onto a compatible smartphone. Opening an account takes only 8 minutes and is done without paperwork. Once you’ve verified your identity, your bank account will be ready to use.

For more information on opening an N26 Smart bank account, as well as the documents that you need, visit our Support Center.

What are the benefits of an N26 Smart account?

N26 Smart is a premium membership bank account that comes with a colorful debit card and intelligent money management tools. Get Statistics to track your spending, plus up to 10 Spaces sub-accounts, including Shared Spaces to save together with others. You’ll also get free ATM withdrawals, free payments worldwide, and access to exclusive partner offers. See our T&Cs for full details and availability.

What can I use Spaces sub-accounts for?

Spaces are sub-accounts that sit alongside your main account, and are a practical way to organize your finances. Create up to 10 Spaces when you sign up for N26 Smart, and transfer money in and out of your spaces as often as you like—all it takes is just a few taps in your N26 app.

Set up a space to save up for a dream purchase, or simply set the bulk of your savings aside in a space to turn your main account into your monthly allowance. With Shared Spaces, you can invite up to 10 other N26 users to manage funds together—such as for household expenses between housemates, or for an upcoming group trip with friends and family. To save up even faster, you can round-up each card transaction to the nearest euro, and stash the difference to a space of your choice.

How much does the N26 Smart bank account cost?

An N26 Smart bank account costs €4.90 per month and is a 1-year subscription.