Yes! We’re a digital bank with a full German banking license and millions of customers across 24 countries.

By law, the funds in your account are protected up to €100,000 through the German Deposit Protection Scheme. We’re fully hosted in the cloud and use artificial intelligence to fight financial crime and card fraud. We also secure every transaction with passcodes and Face ID or Touch ID technology, as well as confirm every customer’s identity when opening an account. Learn more about our security [here](https://n26.com/security).

What documents do I need to open an account?

You’ll need government-issued ID, for example, a passport. You'll also need a smartphone to use your account, and must be a resident of a country we operate in.

What does it cost to open an account with N26?

The N26 Standard bank account is free and there are no opening or maintenance fees. N26 Smart costs €4.90 per month, N26 Go costs €9.90 per month, and N26 Metal is €16.90 per month. No deposit or minimum income is required to open an account.

How do N26 Installments work?

Free up cash in seconds with N26 Installments. Paid for something in the last four weeks that costs between €20 up to €3000? Split eligible purchases into three to six monthly deferred payments, and pay them back over time with an effective annual interest rate of 8.99% to 10.49%, depending on your internal credit score. We'll put the money into your account straight away, and we'll take the first installment one month later. Unlike credit cards, there’s no need to fill out long application forms or even provide extra documents - N26 Installment loans are pre-approved for eligible customers,

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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.

RISK INDICATOR corresponding to the securities product offered by Upvest Securities GmbH

6/6

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

The execution, administration and custody product of Equities and ETFs offered by Upvest in free provision of community services has the following Risk Indicator in accordance with the provisions of Order ECC/2316/2015: 6/6

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Save your cash with a free virtual card, two free ATM withdrawals a month, plus free card payments worldwide.

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Pay friends back in seconds with Bizum, balance your bills, and set spending limits to keep it all in check.

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Your first step into investing

Invest in 5,000+ stocks, ETFs, ready-made funds, and more¹ — without switching apps.Start from €1 and invest regularly by setting up a savings plan for free. Capital at risk.

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Split purchases into installments to free up cash. No waiting, no hidden fees, no problem.

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1 Buying and selling stocks, ETFs, and ETCs through the N26 app costs €0.90 per transaction. N26 Go customers receive 3 free trades per month, while N26 Metal customers receive 10 free trades per month. Free trades are only valid for stocks, ETFs, and ETCs. Product costs may apply, e.g. ETF management fees and third-party inducements. Terms and conditions apply.

These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments etc. These statements also do not constitute an offer to conclude a contract for the purchase or sale of financial instruments. Financial instruments can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. Past performance is not a reliable indicator of future results.

A portfolio transfer of fractional shares and fractional ETFs is not possible, so a non-intended sale may be necessary. The values depicted are fictional and for illustrative purposes. The numbers of available stocks and ETFs can vary per market.

The reception and transmission service for stocks, ETFs, and other assets is provided by N26 Bank SE, Voltairestr. 8, 10179 Berlin, Germany, CR Berlin Charlottenburg HRB 271697 B in partnership with Upvest Securities GmbH, a limited liability company, Schlesische Straße 33/34, 10997 Berlin, Germany, CR Berlin Charlottenburg HRB 232445 B (execution and custody).

FAQ

Yes! We’re a digital bank with a full German banking license and millions of customers across 24 countries.
By law, the funds in your account are protected up to €100,000 through the German Deposit Protection Scheme. We’re fully hosted in the cloud and use artificial intelligence to fight financial crime and card fraud. We also secure every transaction with passcodes and Face ID or Touch ID technology, as well as confirm every customer’s identity when opening an account. Learn more about our security here.
You’ll need government-issued ID, for example, a passport. You'll also need a smartphone to use your account, and must be a resident of a country we operate in.
The N26 Standard bank account is free and there are no opening or maintenance fees. N26 Smart costs €4.90 per month, N26 Go costs €9.90 per month, and N26 Metal is €16.90 per month. No deposit or minimum income is required to open an account.
Free up cash in seconds with N26 Installments. Paid for something in the last four weeks that costs between €20 up to €3000? Split eligible purchases into three to six monthly deferred payments, and pay them back over time with an effective annual interest rate of 8.99% to 10.49%, depending on your internal credit score. We'll put the money into your account straight away, and we'll take the first installment one month later. Unlike credit cards, there’s no need to fill out long application forms or even provide extra documents - N26 Installment loans are pre-approved for eligible customers,

Standard

Smart

Go

Metal

Business Standard

Business Smart

Business Go

Business Metal

1/6

6/6

Make money the easiest part of college

1/6

6/6

Hidden fees? Not our thing.

Your money, your control

Your first step into investing

Get extra flexibility

Set it up between classes

FAQ

Is N26 a bank?

How secure is N26?

What documents do I need to open an account?

What does it cost to open an account with N26?

How do N26 Installments work?

1/6

6/6

Make money the easiest part of college

1/6

6/6

Hidden fees? Not our thing.

Your money, your control

Your first step into investing

Get extra flexibility

Set it up between classes

FAQ

Is N26 a bank?

How secure is N26?

What documents do I need to open an account?

What does it cost to open an account with N26?

How do N26 Installments work?

Hidden fees? Not our thing.

Hidden fees? Not our thing.