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
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.
+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.
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.
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.
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.
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.
What's next?
1. Register online2. Verify your identity in a short videocall3. Receive your N26 Mastercard4. Enjoy your N26 account
N26 accounts — your money deserves an upgrade
N26 Standard
The free online bank account
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.
N26 Smart
Save + spend with premium perks
€4.90/month
N26 Go
Travel with premium perks
€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
N26 Metal
Our most premium plan
€16.90/month
All benefits of N26 Go, 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
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
- 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 Go 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: 1.05% for Standard and Smart, 1.25% for Go, 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.