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.
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
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.N26 Smart customers get 2.8%* p.a. interest on their savings. Prefer 4%* p.a.? Choose N26 Metal.
More about the Instant Savings account
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
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
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.
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.
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.
FAQ
- What do you need to open an N26 Smart bank account?
- How do I open an N26 Smart bank account?
- What are the benefits of N26 Smart?
- What can I use Spaces sub-accounts for?
- How much does the N26 Smart bank account cost?
- What are Spaces sub-accounts, and how can I use them?
*The interest rates are based on your N26 membership: 2.8% for Standard, Smart, and You, and 4% for Metal. The 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).
**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.