N26 Smart

The bank account that gives you more control

Spend and save with confidence, and discover a better way to manage your money—right from your smartphone.

Image of a mobile phone showing a subaccount on the screen and a black debit card in the side with Forbes best bank logo.
hand holding a N26 debit card with the words "Spend" and "Save" in the background.

Get a Mastercard debit card, accepted worldwide

Pick an eye-catching Mastercard debit card in your choice of color to use with your bank account—Ocean, Sand, Rhubarb, Aqua or Slate. Enjoy 5 free ATM withdrawals every month, plus zero foreign transaction fees when spending abroad. Enable mobile payments, and start spending before your physical card arrives.

Discover your Mastercard

Get smart about your finances with Spaces sub-accounts

Effortlessly organize your money in 10 Spaces sub-accounts, each with its own IBAN. Easily put money aside from your main account in a few taps, then create standing orders for recurring payments, pay your bills via direct debit, or send and receive SEPA transfers—directly from each sub-account. 

Saving for a dream purchase? Save with up to 10 others in a Shared Space, or try Round-Ups to reach your goals even faster. We'll help you stash away the spare change whenever you pay by card.

Discover Spaces
image of two N26 subaccount showing the "main account" and "Back to college" spaces to budget money.

Master your spending with Insights

Ready for a simple and quick view of your finances? Meet N26 Insights, the intelligent feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on ‘Shopping,’ ‘Bars & Restaurants,’ ‘Groceries,’ and more—all it takes is a quick glance to stay on track with your monthly budget. Plus, with a clear overview of your upcoming regular payments, it’s never been easier to plan ahead and stay on top of your finances.

Learn about budgeting

Your bank account, packed with special deals

Enjoy insider access to exciting offers from world-class partner brands. With N26 Perks, choose from a wide selection of ever-changing deals from the likes of Blinkist, Mubi and Lime, and save money with generous discounts all year round.

View partner offers
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Beautifully simple. 100% flexible.

Goodbye, bank queues. Hello, mobile banking. N26 Smart offers a seamless way to manage your money—access your bank account from your smartphone or via the WebApp on your desktop, anytime and anywhere. No paperwork, no physical contact, no hassle.

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Secure online banking features

Mastercard 3D Secure

Add an extra layer of protection to your online purchases with Mastercard 3D Secure—an advanced two-factor authentication step.

Instant push notifications

Receive real-time alerts on your smartphone after each transaction, and stay in-the-know about all incoming or outgoing payments.

Biometric identification

Verify yourself with fingerprint identification or FaceID to securely and quickly log in to your bank account.

Protected up to €100,000

As a fully-licensed European bank, your money is always protected up to €100,000 under the German Deposit Protection Scheme.

Customer Support via chat and phone

Run into an issue, or just have a question about your bank account? Whatever your need, our Customer Support team is always on-hand to help you in English, French, German, Spanish and Italian. Simply reach our specialists directly via the in-app chat, visit the N26 Support Center to quickly find answers to your questions, or give us a call on the hotline—reserved for premium customers.

N26 You card, Petrol.

The bank account for spending and saving

Get access to premium banking features for only €4.90 per month. Sign up from anywhere on your desktop or smartphone in just minutes—no paperwork required.


What do you need to open an N26 Smart bank account?

You can open an N26 Smart bank account via the N26 app on your smartphone or the web app. You’re eligible if:

  • You’re at least 18 years old
  • You’re a resident of a supported country
  • You have a compatible smartphone
  • You don’t already have an account with us
  • You have a supported ID document, applicable to the country you’re resident in. Find further information here.

How do I open an N26 Smart bank account?

To open an N26 Smart account, you must meet our eligibility criteria. If you do, simply register on our website, or by downloading the N26 app onto a compatible smartphone. Opening a bank account takes only minutes and is done without paperwork. Once you’ve verified your identity, your bank account will be ready to use.

For more information on opening an N26 Smart bank account, as well as the documents that you need, visit our Support Center.

What are the benefits of N26 Smart?

N26 Smart is a premium membership bank account that comes with a colorful debit card and intelligent money management tools. Get Statistics to track your spending, plus up to 10 Spaces sub-accounts, including Shared Spaces to save together with others. You’ll also get free ATM withdrawals, free payments worldwide, and access to exclusive partner offers. See our T&Cs for full details and availability.

What can I use Spaces sub-accounts for?

Spaces are sub-accounts that sit alongside your main bank account, and are a practical way to organize your finances. Create up to 10 Spaces when you sign up for N26 Smart, and transfer money in and out of your spaces as often as you like—all it takes is just a few taps in your N26 app.

Set up a space to save up for a dream purchase, or simply set the bulk of your savings aside in a space to turn your main account into your monthly allowance. With Shared Spaces, you can invite up to 10 other N26 users to manage funds together—such as for household expenses between housemates, or for an upcoming group trip with friends and family. To save up even faster, you can round-up each card transaction to the nearest euro, and stash the difference to a space of your choice.

How much does the N26 Smart bank account cost?

An N26 Smart bank account costs €4.90 per month and is a 1-year subscription.

What are Spaces sub-accounts, and how can I use them?

N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a premium customer, create up to 10 Spaces sub-accounts with IBANs in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund. Of course, how you use your spaces is up to you—it’s not necessary to add an IBAN to each space if you don’t need one.

With unique IBANs for each Spaces sub-account, you can receive SEPA bank transfers and pay via direct debit—right from each space. Try using Rules to automatically set your bill money aside to a space, then pay via direct debit from your sub-account. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account.

If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other N26 customers. However, please note that an IBAN cannot be added to a Shared Space for now. Stay tuned for more updates to come! Find out more about Spaces and Shared Spaces here.