The bank you’ll love
Bank, save, and invest in one beautifully simple app trusted by millions.Bank for free — with no hidden fees
Open your account in minutes and enjoy 100% mobile banking. Get a free virtual card and monthly ATM withdrawals.
Open an N26 Standard account
Get an ECB-linked interest rate
Open a new N26 Metal account and earn 2.5% interest p.a.* with N26 Instant Savings — linked to the European Central Bank rate.
Discover Instant Savings
Truly free stock and ETF trading
Invest in stocks, ETFs, and ready-made funds managed by experts with no fees**. Explore 350+ crypto coins***. Then put it all on autopilot with our flexible investment plans.
Start investing
Travel without the fees
Make free ATM withdrawals and card payments worldwide. Enjoy market-leading foreign exchange fees. And travel stress-free thanks to insurance included with N26 You and Metal.
Open an N26 You account
Switch banks in minutes
Open your N26 account and move your recurring payments in just a few taps.
*Valid only for new customers who open a new N26 Metal account from 19/02/2025 onwards. The interest rate for the N26 Instant Savings account corresponds to the current European Central Bank deposit facility rate (2.5% starting on 12/03/2025) and is subject to change by N26 any time. Terms and conditions apply.
For existing customers, N26 Instant Savings account interest rates are based on their main N26 plan, for both personal and business accounts: from 12/03/2025 onwards, 0.8% p.a. for Standard and Smart, 1% p.a. for You, and 2% p.a. for Metal (before taxes). Please note that rates per plan can be changed by N26 over time. This offer is available at no extra cost in the N26 app in Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Luxembourg, the Netherlands, Portugal, Slovakia, and Slovenia.
**These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds 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. The values depicted are fictional and for illustrative purposes. Stocks and ETFs are currently available for eligible customers in Germany, Austria, France, Spain, Ireland, Belgium Denmark, Estonia, Finland, Greece, Latvia, Lithuania, Norway, Poland, Portugal, Slovakia, Slovenia and the Netherlands. Using the N26 Broker service is always subject to eligibility.
***The market for crypto assets constitutes a high risk. A complete loss of the money spent is possible at any time. N26 Crypto is powered by Bitpanda.
N26 is the first 100% mobile bank to be granted and operate with a full German banking license from the German Federal Financial Supervisory Authority (BaFin). That means your money is fully protected — both in your bank account and Instant Savings account — up to €100,000 by the German Deposit Protection Scheme. We currently operate in 24 markets worldwide and have over 8 million customers.
We offer our accounts in the following countries: Austria, Belgium, Denmark, Estonia, Finland, France (not available for residents in the French territories outside Europe), Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland. You can open your account if you live in one of these countries and meet our requirements. Our products and services vary by country.
N26 has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of your online payments is always guaranteed.
As a bank, N26 is supervised by BaFin. Your funds are guaranteed up to €100,000 by the German Deposit Protection Scheme. In addition, the N26 app has many features to ensure the security of your bank account and data.
In order to open a bank account with N26, you must have a government-issued ID. See the list of List of accepted ID documents here. Don’t worry, there’s no fussy paperwork or long wait times involved — just present your valid ID during a quick call and you’ll be up and running. Note that you’ll need a smartphone to use your account, and must live in an eligible country where N26 operates.
The standard N26 bank account is free, with no opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, the N26 You bank account costs €9.90 per month, and the N26 Metal account is available for €16.90 per month. To open an N26 account, no deposit or minimum income is required.
You can open your mobile N26 account online in minutes from your phone or the N26 website — no paperwork or waiting times. But best of all: once your N26 bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
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