A woman holding her smartphone using her N26 bank account.

The bank account built for better control

Master your money with intelligent tools and a card to match your style.
Open N26 Smart account

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.
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Save without limits

Deposit as much money as you want, move it any time, and earn interest2 while you do it.
Discover N26 Instant Savings

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.
Discover N26 Spaces
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Set it, then forget it

Automations like Income Sorter, Round-ups, and Rules for Spaces give you total control over your saving and budgeting.

Make your money work harder

Open an N26 Metal account to earn 1.5% interest p.a.3 on Instant Savings. 
Looking for a higher yield? Our Flexible Cash Fund is now available for all N26 plans. Earn up to 2.57% p.a.4 and pay zero service fees5 until January 1, 2027. Capital at risk.
Discover our Flexible Cash Fund
A man sits at a desk with an open laptop, holding a payment card while looking at his smartphone screen.
N26 homepage app.

Switch banks in minutes

Open your N26 account and move your recurring payments in just a few taps.
Open N26 Smart account

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.

3 N26 Instant Savings account interest rates are based on your main N26 plan: from 11/06/2025 onwards, 0.30% p.a. for Standard and Smart, 0.50% p.a. for N26 Go, and 1.50% p.a. for Metal (before taxes). Please note that rates per plan can be changed by N26 over time. This offer is available at no extra cost in the N26 app in Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Luxembourg, the Netherlands, Portugal, Slovakia, and Slovenia.

4 The variable annual return rate shown (2.57%) is presented net of fees and reflects information provided by  the fund manager, Fidelity International, as of 06/10/2026. This rate is subject to change on a daily basis based on market conditions.

All investments carry a risk of capital loss. A flexible cash fund is not a guaranteed investment, and a total loss of your investment is possible at any time. The risk of loss of principal is borne entirely by the investor. Investing in a flexible cash fund differs from an investment in deposits. The capital invested may fluctuate. The flexible cash fund does not rely on external support to guarantee its liquidity or to stabilize its net asset value per share.

Before investing, please assess your financial situation carefully and consider seeking independent advice, review as well the Key Information Document (KID) and our full Terms & Conditions. The statements on this landing page do not constitute financial advice. The values depicted are fictional and for illustrative purposes only. Service of reception and transmission service for financial instruments by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Execution and securities custody by Upvest Securities GmbH (Schlesische Straße 33/34, 10997 Berlin, Germany, HRB 232445 B). Fund issued and managed by Fidelity (RCS B88635).

A flexible cash fund is a regulated investment product managed by Fidelity. The fund carries a low risk rating of 1 out of 7 and has a suggested minimum holding period of six months. As with all money market funds and other investments, there are inherent risks, including market, liquidity, and volatility risks. When you withdraw from a flexible cash fund, you instruct us to sell your shares in the underlying money market fund. The proceeds from this sale may take up to 2 business days to reach your account. T&Cs apply.

5 A flexible cash fund is not a deposit, it is an investment that carries a risk of capital loss. The variable rate shown reflects information provided by the fund manager as of 06/10/2026, and is subject to daily changes. Your investment can go up and down. Past performance is not a reliable indicator of future results. Starting January 1, 2027, service fees , calculated on the invested amount, will apply based on your N26 plan: 0% for N26 Metal and Aura, 0.20% for Go, 0.25% for Smart, and 0.30% for Standard plans.

FAQ

  • You must meet the following requirements to open an N26 Smart account:
    • 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
    Find more information about opening an account here..
  • 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 free physical N26 Mastercard (with the flexibility to order an additional 4 for a one-time fee of €10 each), 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 (max 5), 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.
Open N26 Smart account