Join the Mobile Bank with over 8 million customers

  • Free bank account
  • Customer Service 24/7
  • Free card payments worldwide
  • Unlimited free trades
  • Instant Savings Account up to 2.25% p.a. interest
Open Bank Account
A person holds a smartphone showing a financial app with features like "Main account," "Stocks and ETFs," "Crypto," and "Instant savings" highlighted. The background includes a casual outdoor setting with jeans and bright orange socks.

The free bank account that makes life easy

Not a fan of waiting times, hidden fees, or paperwork? Us too. Get a bank account with a virtual card and 24/7 support — and manage your money on the go.
Open Bank Account
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+8 Million

customers

24

markets

300,000+

5-star app ratings on iOS and Android

The free bank account that makes life easy

Not a fan of waiting times, hidden fees, or paperwork? Us too. Get a bank account with a virtual card and 24/7 support — and manage your money on the go.
Person paying with the N26 virtual card.

Say hello to your Mastercard

Your free bank account comes with a virtual N26 Mastercard accepted worldwide — you can start using it as soon as your account is set up. Use it to make payments in stores, online, or in apps.

Notification Icon in teal

Real-time banking

Track your account activity. Receive real-time push notifications for every transaction, including card payments, withdrawals, transfers, and more.

Custom settings

You choose how you want to bank, with customizable tools and settings in your N26 app. Lock and unlock your card, change your PIN, set spending limits — instantly and effortlessly.

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Protection up to €100,000

N26 is a fully licensed German bank. Thanks to the statutory Deposit Protection Scheme, the money in your free bank account is protected up to €100,000.

Start earning interest

No deposit limits,** simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.Your N26 Instant Savings interest rate is based on your membership: grow your savings with 2.25%* interest p.a. with N26 Metal, 1.25% p.a. with You, and 1.05% with Smart and Standard, and access your funds at any time.
Person holding an N26 Metal account card and a mobile phone, in front of a 2.25 % interest rate sign.

Truly free stock and ETF trading

N26 combines everyday banking and investing in a seamless way. That means you can manage your stocks and ETFs portfolio without having to download another investment app. With N26, all the tools you need to build your financial wealth are in one place.
Start investing
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Travel the easy way with N26

From the beaches of Phuket to the Big Apple — and everywhere in between — N26 is the bank account that travels with you. Use your Mastercard anywhere in the world—free! We don’t charge foreign transaction. Whether it’s Dollars or Mexican pesos, it’s all the same to us.
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Your finances — ‌better together

Life is better shared, and your money is no exception. Manage all your finances in one place with your personal account and joint account at N26.N26 joint accounts come with dedicated IBANs, handy insights, and user-friendly features to make managing your own and your shared finances easier than ever.
Marco and Maya are checking their joint account. In the foreground, a pop-up displays a bar graph showing the monthly balance of the joint account.

Customer Support — wherever you are

Run into any problems, or just have a question? Whatever the issue or need, our Customer Service team is always on-hand to help you in English, French, German, Spanish and Italian. Contact them via email, or connect via chat with an N26 expert right through your app.
A woman lying on a bed holding a credit card in one hand and a smartphone in the other, with a chatbot interface displayed next to her saying, "Hi Sam, how can I help?".

Discover our Business Mastercard for freelancers

N26 Business is free to open online, with no account management fees. It’s the easiest business bank account to open if you’re a freelancer or you’re self-employed.
  • No minimum deposit
  • 0.1% cashback on all purchases
  • Fast sign-up process
  • Free and unlimited SEPA transfers
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What's next?

1. Register online2. Verify your identity in a short videocall3. Receive your N26 Mastercard4. Enjoy your N26 account
Open Bank Account

N26 accounts — your money deserves an upgrade

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • 1.05% interest p.a. on your Instant Savings

  • Worldwide payments and no foreign transaction fees

  • Up to 3 free domestic ATM withdrawals

  • -

    *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.

Open a Standard account
POPULAR

N26 Smart

Save + spend with premium perks

N26 You card, Teal.

€4.90/month

All benefits of N26 Standard, Plus

  • 1.05% interest p.a. on your Instant Savings

  • Up to 5 free ATM withdrawals per month

  • 10 Spaces sub-accounts

  • Phone support 7 days a week

Open a Smart account

N26 You

Travel with premium perks

N26 You card, Rhubarb.

€9.90/month

All benefits of N26 Smart, Plus

  • 1.25% interest p.a. on your Instant Savings

  • Unlimited free withdrawals in foreign currencies

  • Insurance for delay and theft of luggage

  • Medical emergency cover

Open an You account

N26 Metal

Our most premium plan

N26 Metal - Slate Grey.

€16.90/month

All benefits of N26 You, Plus

  • 2.25% interest p.a. on your Instant Savings

  • An 18-gram metal card

  • Up to 8 free ATM withdrawals per month

  • Priority customer hotline

Open a Metal account
Open Bank Account

*Interest rates are based on your N26 membership: 1.05% for Standard and Smart, 1.25% for You, and 2.25% for Metal, including both personal and business accounts. Interest rates are variable and subject to change in the future. Interest rates p.a. are equivalent to AER in Ireland and TANB in Portugal (before taxes). Interest is only earned on funds held in your Instant Savings account. This offer is provided under German law. To benefit from this offer, you’ll need to open an N26 bank account. After that, you may open a separate N26 Instant Savings account to earn interest alongside everyday banking. Please note that you’ll only be able to open an N26 Instant Savings account if you meet the eligibility requirements. Check our FAQs for more information. ** The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. **** 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 and ETFs. These statements also do not constitute an offer to conclude a contract for the purchase or sale of stocks and ETFs. Stocks and
ETFs 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. ***** 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 Asset Management GmbH.