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.

Security at N26

N26 has been operating with a full European banking license since 2016, and is governed by the same laws and regulations as any other bank. This means that your funds are protected up to €100,000 by the German Deposit Protection Scheme—and that your money and N26 bank account are secure. Below, learn more about the additional security settings and measures that keep your finances safe.

App screen showing how to lock your card.

Security procedures to keep you safe

Your N26 bank account comes with three-tier security measures that protect all your transactions, as well as additional in-app features for extra peace of mind.

Smartphone pairing

Pair your account to one smartphone at a time, ensuring that only you have access to your money.

Biometric authentication

Log in within seconds using a secure password—or via fingerprint identification and face recognition—and manage your bank account on-the-go.

3D Secure technology

Benefit from extra security against fraud, thanks to advanced 3D Secure (3DS)—an additional authentication step that protects your online purchases.

Discreet mode

With this innovative feature, you can blur your account balance with the swipe of your finger—great for using the N26 app in public.

Instant push notifications

With real-time push notifications on all account activity, stay up-to-date with all your incoming and outgoing payments, and always know what’s happening with your account.

App screen showing a push-notification.
App screen showing customizable settings.

Customizable security settings

Control your card’s setting wherever you are, right from the N26 app. Adjust your cash withdrawals and spending limits, and set restrictions on transactions made online or abroad. Reset your PIN, lock your card to prevent any unauthorized access if you misplace it, and even unlock it again if it turns up.

Your task—stay alert online

Your N26 account comes with advanced security settings to keep your money safe. Yet, it’s important to remain vigilant and take further measures to protect yourself. Never write down your passwords or PIN, only log into your N26 account on your own devices, and avoid using a public WiFi connection. Make sure your anti-virus software is up-to-date on your computer, and that you’re always using the latest version of the N26 app. Learn more in our Complete Guide to Secure Online Banking.

Download the guide
Computer screen and wi-fi password.
Phishing attempt.

What is phishing?

Phishing is when someone attempts to get your password or login details through deceptive emails, text messages or fake websites. To protect yourself from online fraud, avoid clicking on links in emails or text messages that seem suspicious. We will never ask you for your password or PIN—if you’re ever in doubt, contact our N26 Support team before you proceed.

N26 Customer Service is here to help

If you think your account’s security has been compromised, inform us immediately by reaching out to N26 Customer Service. Send us a message, or speak to one of our service agents via the chat in your N26 app—we take fraudulent activity very seriously and are on-hand to provide assistance.

Alternatively, if you have any questions or want to learn more about security at N26, you can find more information in our N26 Support Center.

Security at N26

What do I need to open a free bank account with N26?

You must meet the following requirements to open an N26 Standard account:

  • Be over the age of 18
  • Live in an eligible country
  • Have your own smartphone
  • Not yet have an online account with N26
  • Have a valid ID

Find more information about opening an account here.

Is N26 secure?

N26 operates with a full European banking license, which protects your N26 account up to €100,000, under EU law directives. With 3D Secure, Mastercard Identity Check and fingerprint and face recognition, the security of your online payments is always guaranteed.

Does N26 offer a Spanish IBAN?

All N26 accounts opened after April 17, 2019 have a Spanish IBAN. This means that, in addition to using your account to withdraw money or make card payments, you can also use it to deposit your salary, direct debits or to manage your daily expenses from the app. Enjoy all the advantages of a 100% mobile account with a Spanish IBAN.

How can I increase my online banking security?

Alongside your bank account’s advanced security features, you can take further steps to increase your online banking security. Never write down your passwords or PIN, only log into your account from a device you trust, and only via a secure WiFi connection. Additionally, to protect yourself from online fraud, avoid clicking on links in emails or text messages that seem suspicious. For more information on how to spot fraudulent behavior—and maintain your online banking security—take a look at our Security guide.