Risk Indicator corresponding to the bank accounts N26 Standard, N26 Smart, N26 You and N26 Metal

1/6

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.

Compare N26 bank accounts

Find the perfect plan for you

N26 Standard

The free digital bank account

The N26 virtual card.

€0.00/Month

POPULAR

N26 Smart

The bank account with tools for spending and saving

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Teal.
N26 You card, Ash.

€4.90/Month

N26 You

The bank account for travel and everyday needs

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Teal.
N26 You card, Ash.

€9.90/Month

N26 Metal

The premium account with perks and a metal card

N26 Metal - Charcoal Black.
Quartz Rose - N26 Metal Card.
N26 Metal - Slate Grey.

€16.90/Month

Physical card
Virtual card
Contactless payments
Mobile payments
Extra card (optional)
Cashback
Business accounts only
Business accounts only
Business accounts only
Business accounts only
Bizum
100% mobile banking
Free payments worldwide
Free domestic ATM withdrawals
3
5
5
8
Free ATM withdrawals abroad
CASH26 free withdrawals
CASH26 deposits
Medical travel insurance
Travel cancellation insurance
Pandemic travel coverage
Flight insurance
Luggage coverage
Mobility insurance
Winter sports insurance
Car rental insurance
Phone insurance
Transaction list
Insights on spending
Spaces sub-accounts
10
10
10
Shared Spaces
Round-ups
Premium partner offers
Unique experiences
Chatbot support
In-app chat
Phone support
Deposit protection
3D Secure payments
Two-factor authentication

N26 Standard

The free digital bank account

The N26 virtual card.

€0.00/Month

N26 Smart

The bank account with tools for spending and saving

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Teal.
N26 You card, Ash.

€4.90/Month

N26 You

The bank account for travel and everyday needs

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Teal.
N26 You card, Ash.

€9.90/Month

N26 Metal

The premium account with perks and a metal card

N26 Metal - Charcoal Black.
Quartz Rose - N26 Metal Card.
N26 Metal - Slate Grey.

€16.90/Month

Compare N26 bank accounts

Find the perfect plan for your business

N26 Standard

The free* digital business bank account with cashback for freelancers

N26 Business Card.

€0.00/Month

POPULAR

N26 Smart

The business bank account with cashback and financial tools for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€4.90/Month

N26 You

The business bank account with cashback and travel perks for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€9.90/Month

N26 Metal

The premium bank account with cashback and a metal card for freelancers

Black N26 Business Metal card.
Pink N26 Business Metal card.
Gray N26 Business Metal card.

€16.90/Month

Physical card
Virtual card
Contactless payments
Mobile payments
Extra card (optional)
Cashback
Bizum
100% mobile banking
Free payments worldwide
Free domestic ATM withdrawals
3
5
5
8
Free ATM withdrawals abroad
CASH26 free withdrawals
CASH26 deposits
Medical travel insurance
Travel cancellation insurance
Pandemic travel coverage
Flight insurance
Luggage coverage
Mobility insurance
Winter sports insurance
Car rental insurance
Phone insurance
Transaction list
Insights on spending
Spaces sub-accounts
10
10
10
Shared Spaces
Round-ups
Premium partner offers
Unique experiences
Chatbot support
In-app chat
Phone support
Deposit protection
3D Secure payments
Two-factor authentication

N26 Standard

The free* digital business bank account with cashback for freelancers

N26 Business Card.

€0.00/Month

N26 Smart

The business bank account with cashback and financial tools for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€4.90/Month

N26 You

The business bank account with cashback and travel perks for freelancers

N26 You Business Card, Ocean.
N26 You Business Card, Rhubarb.
N26 You card, Sand.
N26 You Business Card, Ocean.
N26 You Business Card, Ash.

€9.90/Month

N26 Metal

The premium bank account with cashback and a metal card for freelancers

Black N26 Business Metal card.
Pink N26 Business Metal card.
Gray N26 Business Metal card.

€16.90/Month

Services and Fees are for anyone who registers with an address in Belgium, Estonia, Finland, Greece, Ireland, Lithuania, Luxembourg, The Netherlands, Portugal, Slovakia, Slovenia, Sweden, Norway, Denmark, Poland, Iceland and Liechtenstein.

For our detailed price list, view PDF here

For more information on Allianz insurance coverage, please see the General Conditions of the N26 You, N26 Business or N26 Metal account.

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.

FAQ

Are there Minimum Usage Requirements?

None to speak of. Since February 2018 you don’t need to make a minimum number of transactions and there aren’t any fees related to how often you use the account.

Is there a time commitment for your N26 account?

If you open a free N26 account or N26 Business account, there is no commitment on how long you need to keep your account open. If you open a N26 Smart, You, Metal account, or N26 Business Smart, You or Metal account you commit to having the account for 12 months.

How many free withdrawals can I make in a month?

You can withdraw euros at any ATM up to 3, 5 or 8 times a month for free depending on if you have a N26, N26 Smart, N26 You or N26 Metal account. After the last withdrawal, there is a €2 fee for each extra one.

Can I withdraw money abroad?

Yes, of course. With your N26 You or N26 Metal card, you can withdraw cash for free in any currency, as many times as you want. If you have a standard N26 account, you can withdraw euros fee-free. If you need cash in a different currency, you’ll pay a low 1.7% fee on the amount withdrawn.

What is included in the Allianz insurance package?

The Allianz insurance policy protects you when traveling and shopping. It comes with mobile phone theft protection (if bought with your N26 card), travel insurance, ATM theft protection, and an extended warranty and purchase protection on qualifying goods.

Can I manage payments and receive incoming funds from public institutions with my N26 account?

N26 is not a collaborating entity of Seguridad Social or the Agencia Tributaria, an essential requirement to process public aid. Therefore, it’s not currently possible to process these types of transactions with your N26 account. Although you currently can’t either pay your taxes from your N26 account (self-employed quota, VAT, etc.), or receive benefits (pensions, unemployment benefit, Minimum Life Income, etc.) you can receive tax refunds into it—for example, tax returns.

We’re working to offer a solution in the near future, and make our customers’ day-to-day easier.