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.
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—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.

Save better with Spaces sub-accounts

Effortlessly manage your money with 10 Spaces—our iconic sub-accounts with Shared Spaces functionality to easily save, spend and budget together with others. Personalize each space with a name, set personal targets, and create Rules to move funds from your main account automatically. And to reach your savings goals faster than ever, round-up each card purchase to the nearest Euro, and set aside the spare change to a space.

Discover Spaces
image of two N26 subaccount showing the "main account" and "Back to college" spaces to budget money.
image of the statistics feature of N26 bank account showing the spend in groceries.

Track your spending habits with Statistics

Not sure where your money is going each month? Get smart about your spending with Statistics, our AI-powered tool that automatically categorizes your payments in real-time. Gain insights on your money management and where you’re spending the most with a handy overview, and learn to budget better along the way.

Treat yourself to 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.

Partner Offers
woman pointing a sign in a magazine page.

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.

image showing four images of N26 features.

Secure online banking features

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? 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 8 minutes—no paperwork required.

FAQ

What do you need to open an N26 Smart account?

You can open an N26 Smart 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 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 an account takes only 8 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 an N26 Smart account?

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 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.