Your card, your style
Use your virtual card from the get-go, and order a Debit Mastercard in your choice of five colors — free1 with N26 Smart.
Save without limits
Deposit as much money as you want, move it any time, and earn interest2 while you do it.
Every cent in its Space
Stay organized with 10 Spaces sub-accounts. Divide your money to plan for your goals, or set aside funds for expenses.
Set it, then forget it
Automations like Income Sorter, Round-ups, and Rules for Spaces give you total control over your saving and budgeting.
Switch banks in minutes
Open your N26 account and move your recurring payments in just a few taps.
1 N26 Smart, Go, and Metal customers get up to six free virtual cards. N26 Standard customers get one free virtual card; extras are €2.59 each. The physical Mastercard is included in the €4.90 monthly plan fee.
2 Interest rates vary by plan and are subject to change at any time. Learn more here.
FAQ
- Be over the age of 18
- Live in an eligible country
- Have your own smartphone
- Not yet have an account with N26
- Have a valid ID
- Be able to verify yourself in one of our supported languages: English, French, German, Italian, or Spanish
You must meet the following requirements to open an N26 Smart account:
Once you've checked that you meet our basic requirements, just download the N26 app to sign up.
Forget the paperwork — opening an N26 Smart account takes just a few minutes. All you need is a valid ID. Once we've verified your identity, your virtual Debit Mastercard is ready to use immediately.
The N26 Smart account costs €4.90 per month.
N26 Smart is a bank account that comes with a physical N26 Mastercard, up to six virtual cards, and three free ATM withdrawals in the eurozone per month. As an N26 Smart customer you’ll also have access to innovative banking features that make saving and managing your finances easier. Thanks to Insights, you’ll also always have a detailed overview of all your spending.
Budgeting and saving is simple with N26 Smart. Create up to 10 sub-accounts with Spaces, including Shared Spaces to save and spend with others. You can even link a virtual card to a Space to spend directly from it, or use a Space’s IBAN to set up direct debit payments.
With N26 Smart you can also have a flexible Instant Savings account that lets you grow your money and access it when you need it. Interested in investing? Build your portfolio with crypto, stocks, and ETFs right in your N26 app.
For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.
N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a Smart 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 Space, 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. You can also link a virtual or physical card to a Space to make payments directly from it.
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..
Our N26 Smart account includes a physical Debit Mastercard, available in your choice of five colors. Plus, you can also get up to six free virtual cards, each with its own card number — for even more safety when you’re shopping online.