Risk indicator for all N26 accounts.
1
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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.
Find the plan you’ll love
Standard
The free plan for your everyday banking needs.Free
- Free virtual debit card
- 2 free ATM withdrawals in euros
Smart
The plan with intelligent features that help organize your money.€4.90/month
Everything in Standard, plus
- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
BEST FOR TRAVEL
Go
The plan for banking, saving, and investing — at home and on the go.€9.90/month
Everything in Smart, plus
- Free ATM withdrawals outside the eurozone
- 1% cashback while traveling1
- Travel insurance
Metal
The exclusive plan that’s made for saving and investing.€16.90/month
Everything in Go, plus
- 1.3% AER interest on savings2
- Metal debit card
- Mobile phone insurance and purchase protection
- Free airport lounge pass
FREE ACCOUNT
Standard
The free plan for your everyday banking needs.Free
- Free virtual debit card
- 2 free ATM withdrawals in euros
ENJOY MORE CONTROL
Smart
The plan with intelligent features that help organize your money.€4.90/month
Everything in Standard, plus
- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
BEST FOR TRAVEL
Go
The plan for banking, saving, and investing — at home and on the go.€9.90/month
Everything in Smart, plus
- Free ATM withdrawals outside the eurozone
- 1% cashback while traveling1
- Travel insurance
OUR TOP RATES
Metal
The exclusive plan that’s made for saving and investing.€16.90/month
Everything in Go, plus
- 1.3% AER interest on savings2
- Metal debit card
- Mobile phone insurance and purchase protection
- Free airport lounge pass
Compare every detail
Virtual card
First one free
6
6
6
Virtual card
First one free
6
Physical card
Physical card
Spaces sub-accounts with card pairing
10
10
10
Spaces sub-accounts with card pairing
10
Shared Spaces
Shared Spaces
Joint account
Joint account
Free ATM withdrawals in euros
2 per month
3 per month
5 per month
8 per month
Free ATM withdrawals in euros
2 per month
5 per month
Cash26 deposits and withdrawals
1.5% deposit fee
1.5% deposit fee
1.5% deposit fee
1.5% deposit fee
Cash26 deposits and withdrawals
1.5% deposit fee
1.5% deposit fee
Budgeting automations
Budgeting automations
Credit
Credit
Overdraft
Overdraft
Installments
Installments
Bizum
Bizum
Savings interest rate3
Savings interest rate3
Stocks and ETFs4
Trade for free
Trade for free
Trade for free
Trade for free
Stocks and ETFs4
Trade for free
Trade for free
Ready-made funds
0.55% management fee
0.55% management fee
0.39% management fee
0.29% management fee
Ready-made funds
0.55% management fee
0.39% management fee
Crypto5
Lower fees — 1% for Bitcoin, 2% for other coins5
Crypto5
Investment plans
Investment plans
Travel cashback1
Travel cashback1
Worldwide card payments
Free
Free
Free
Free
Worldwide card payments
Free
Free
Free ATM withdrawals outside the eurozone
Free
Free
Free
Free
Free ATM withdrawals outside the eurozone
Free
Free
Airport lounge access6
€33 per visit
€33 per visit
First annual visit €15,
then €30
First annual visit free, then €30
Airport lounge access6
€33 per visit
First annual visit €15,
then €30
Travel eSIM7
Travel eSIM7
Travel and bag delays8
Up to €500
Up to €500
Travel and bag delays8
Up to €500
Baggage cover8
Up to €2,000
Up to €2,000
Baggage cover8
Up to €2,000
Emergency medical and dental8
Up to €1 million for medical and €250 for dental
Up to €1 million for medical and €250 for dental
Emergency medical and dental8
Up to €1 million for medical and €250 for dental
Emergency transport8
Up to €2,300
Up to €2,300
Emergency transport8
Up to €2,300
Trip interruption8
Up to €10,000
Up to €10,000
Trip interruption8
Up to €10,000
Trip cancellations8
Up to €10,000
Up to €10,000
Trip cancellations8
Up to €10,000
Personal liability8
Up to €500,000
Up to €500,000
Personal liability8
Up to €500,000
Mobile phone insurance9
Mobile phone insurance9
Purchase protection9
Purchase protection9
Premium partner offers
+15
+20
Premium partner offers
+15
24/7 chat support
24/7 chat support
Phone support
Phone support
Deposit protection
Up to €100,000
Up to €100,000
Up to €100,000
Up to €100,000
Deposit protection
Up to €100,000
Up to €100,000
Switch banks in minutes
Open your account and move recurring payments in a few taps.
1 This promotion is applicable for N26 Go and N26 Metal customers. Participate in the promotion by clicking on the in-app message, email, or push notification and selecting ‘Enrol’ on the in-app landing page. From the moment of successful enrollment, you will receive 1% cashback for up to 12 months on qualifying transactions made with your N26 Mastercard outside the European Economic Area (EEA), Switzerland, and the United Kingdom. The European Economic Area (EEA) includes all EU member states as well as Iceland, Liechtenstein, and Norway. See full T&Cs here: https://n26.com/hb-ex
2 1.30% AER (1.50% annual NIR). With this interest rate, if you maintain a daily balance of €100 000 in your N26 Instant Savings account for 12 months, discounting the annual N26 Metal subscription fee of €202.80, your annual remuneration amounts to a gross amount before withholdings and taxes of €1,500. Interest is paid monthly. Applicable to any amount deposited in the N26 Instant Savings account, with no maximum limit. See conditions at https://n26.com.
3 For existing customers, N26 Instant Savings account interest rates are based on your main plan with N26: from 11/06/2025 onwards. Please note that rates per plan can be changed by N26 over time. Interest is only earned on funds held in your Instant Savings account.
4 Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
5 The N26 Metal crypto fee discounts only apply to trading amounts up to €5,000 (including fees on purchasing and excluding fees on selling crypto) per calendar month. Above this amount, standard fees apply: 1.5% on Bitcoin and 2.5% on all other coins (fees are always rounded up to the nearest full cent — to a maximum of one cent — which may lead to a slight increase of the fee percentage shown in the order preview. Deviations for special coins are possible). The fees and cryptocurrency prices shown on the N26 app for every transaction and including a possible spread are not determined by N26 but provided by Bitpanda Asset Management GmbH. N26's liability is expressly excluded for any claim or damage arising from the formation of the prices of the assets offered by Bitpanda.
6 Airport lounge passes are available for purchase in the app.
7 Purchase mobile plans in-app to enjoy affordable data in over 100 countries with your travel eSIM.
8 Exclusions and restrictions apply. For more information, please see the Allianz Assistance Insurance Product Information Sheet (Metal | Go) and Conditions for Beneficiaries (Metal | Go). You can see all information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.
9 Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language.
FAQ
To open an N26 account, download the N26 app. Sign up by confirming your email address, verifying your ID directly in the app, and pairing your smartphone with your N26 account.
To be eligible for an N26 account you must be at least 18 years old, living in one of these countries, and you must own a compatible smartphone.
The standard N26 bank account is free — you won’t pay any opening or maintenance fees. No deposit or minimum income is required to open any N26 account.
The N26 Smart account costs €4.90 per month, N26 Go costs €9.90 per month, and N26 Metal costs €16.90 per month.
You must be 18 or over to open a bank account with N26.
Your virtual debit card will be available as soon as you have successfully opened your N26 account. Add it to Google Pay, Samsung Pay or Apple Pay and start spending immediately.
If you ordered a physical debit card, this will arrive via post. The duration depends on whether you selected standard or express delivery, and can take longer in some locations, up to 14 days.
Yes, you just need to open a personal account first. You can open a freelancer account under the Finances tab.
Yes. Give your N26 account IBAN to your employer so they can pay you directly to your account.