Your free bank account in the Netherlands

Join the Mobile Bank with over 8 million customers

  • Free bank account
  • Customer Service 24/7
  • Free card payments worldwide
  • Easily pay online with iDEAL
Open Bank Account
Woman laying down looking at her mobile and holding a N26 card.

Germany's most popular neobank in 2023

N26 has been named 'Germany's most popular neobank' by Focus Money magazine*. Each year, the economics magazine evaluates digital bank favorability across the industry through bank reviews and relevant online resources.
N26 app and a transparent N26 card with the Beliebteste Banken Money badge.

+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.

Easily pay online with iDEAL and N26

iDEAL, the Netherlands’ most popular online payment system, makes it easier than ever to make payments to over 100,000 merchants. Simply select iDEAL at the checkout page when paying online to make fast, secure, and free payments with your N26 account.
Image divided in 5 sections with a laptop, a bunch of tulips, three coins, rounded waffles and the Ideal logo.

Additional Maestro card

Expand your opportunities to shop without cash at more retailers in the Netherlands. Order a physical Maestro card in your N26 app for 10 euros only.

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.

Icon for security in Teal

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.

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.

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.
Woman holding an apple and an N26 card.

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

  • 1.7% 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

  • 1.7% 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

  • 2% 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

  • 3% 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

Frequently asked questions

    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.

    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 our customer's online payments is always guaranteed.

    The free bank account lets you manage all your finances under one app, whether at home or traveling. In addition, we don’t charge you any hidden fees when withdrawing money from an ATM, or when making payments in foreign currencies. Alongside getting instant push-notifications after every transaction, benefit from Spaces sub-accounts for better saving, automatic spending categorization with Statistics, and the ability to make and receive immediate funds from other N26 customers with MoneyBeam. With N26 You and N26 Metal you can also withdraw money at no fees worldwide, and enjoy exclusive benefits such as discounts. On top of this, premium accounts come with an extensive package of travel and lifestyle insurance, courtesy of Allianz.

    The standard N26 bank account is free and doesn’t charge any 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, with a 12-month commitment period. To open an N26 account, no deposit or minimum income is required.

    If you meet all the requirements, you can open your checking account with N26 for free and within minutes. All you need is a smartphone and your photo ID. It's easy with our digital authentication process. Download our app to open an account—you don’t even need a minimum deposit amount.

*Interest rates are based on your N26 membership: 1.3% for Standard and Smart, 1.5% for You, and 2.5% 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.