Risk indicator for all N26 accounts.


1/6 This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.

N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.

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Security you can bank on

Security Explained Simply

New to these complex security topics? Let us explain them.

A fisherman explains phishing

Who better than a fisherman to explain phishing attacks? Reel in his tips to protect yourself.

A magician explains 
card fraud

Abracadabra! Watch as a magician pulls back the curtain on card fraud and how you can guard against it.

A flight attendant explains travel scams

Buckle up and watch our flight attendant explain how to avoid travel scams the simple way.

A bouncer explains two-step verification

Our bouncer knows a thing or two about security. Watch her break down two-step verification in plain language.

A weather reporter explains cloud security

Wondering what cloud security has in common with predicting the weather? Our reporter makes it easy to grasp.

Our security features keep your money and data simply secure.

Here’s how.

Image showing a mobile phone with N26 spaces app inside a security badge.

More than an app: 
A fully licensed bank

N26 is a fully licensed German bank. That means we have the same security regulations as any other bank. It also means your funds are protected up to €100,000 by the German Deposit Protection Scheme. But our security measures don't stop there.

Secure banking designed for today

Fully hosted in the cloud, we use artificial intelligence and machine learning to protect your account, fight financial crime and card fraud. It’s security technology you can trust.

image showing a mobile phone with N26 virtual card inside a security badge.
image showing a mobile phone making a contactless payment with N26 virtual card inside a security badge.

You can always pay it safe

From biometric authentication to extra layers of protection like 3D Secure, you can always spend confidently with N26. Want extra peace of mind? Your account can only be paired with your own smartphone, and you get real-time push notifications on all account activity — no surprises.

Your money is in safe hands — yours

Get full control over the security of your account with customizable settings in your N26 app. Lock and unlock your card, change your PIN, set spending limits, and hide your sensitive data from prying eyes — instantly and effortlessly. It’s security your way.

N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

N26 — Simply Secure

At N26, security is a priority. Which is why, no matter which account you have, it’s always protected by innovative security measures and features.

How N26 keeps you and your money safe

Deposit protection scheme: why your money is protected

Looking for reassurance that your money is protected? Deposit protection schemes help secure the money in your bank account.

secure banking.

Money laundering: how banks stay one step ahead of criminal activity

Money laundering accounts for billions each year. Here’s how banks fight back with anti-money laundering processes to detect suspicious activity.

Person typing on a phone.

Tips for secure mobile banking

From protecting your password to locking your screen, read our 5 essential tips for secure mobile banking.

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 free bank 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.