Hidden fees? Not our thing.
Save your cash with a free virtual card, two free ATM withdrawals a month, plus free card payments worldwide.
Your money, your control
Pay friends back in seconds, balance your bills, and set spending limits to keep it all in check.
Future-proof your finances
Make your first steps towards financial independence with savings*, crypto**, and free stock and ETF trading***.Investing involves risk of financial loss.
Set it up between classes
Open your free account from your phone and use your virtual card right away.
*For existing customers, the interest rates on your N26 daily money account depend on your main membership with N26: 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.Interest is only earned on funds held in your Instant Savings account. Withholding taxes may apply for customers who are residents of Germany, in which case N26 will withhold taxes on paid interest.
**The market for crypto assets constitutes a high risk. Crypto assets are subject to high fluctuations in value—declines in value or a complete loss of the money spent are possible at any time. Past performance is not a reliable indicator of future performance. N26 Crypto is powered by Bitpanda Asset Management GmbH (HRB 121696), licensed by the German Federal Financial Supervisory Authority and located at Friedrich-Ebert-Anlage 36, 60325 Frankfurt, Germany.
***Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.Asset prices as displayed in the N26 App apply. The number of available Stocks and ETFs can vary per market.
These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. A portfolio transfer of fractional shares and ETFs is not possible, so a non-intended sale may be necessary. The values depicted are fictional and for illustrative purposes. The numbers of available Stocks and ETFs can vary per market. Trading stocks and ETFs with N26 is fee-free. Note that fund issuers may charge their own ETF management fees directly.
FAQ
Yes! We’re a digital bank with a full German banking license and millions of customers across 24 countries.
By law, the funds in your account are protected up to €100,000 through the German Deposit Protection Scheme. We’re fully hosted in the cloud and use artificial intelligence to fight financial crime and card fraud. We also secure every transaction with passcodes and Face ID or Touch ID technology, as well as confirm every customer’s identity when opening an account. Learn more about our security here.
You’ll need government-issued ID, for example, a passport. You'll also need a smartphone to use your account, and must be a resident of a country we operate in.
The N26 Standard bank account is free and there are no opening or maintenance fees. N26 Smart costs €4.90 per month, N26 Go costs €9.90 per month, and N26 Metal is €16.90 per month. No deposit or minimum income is required to open an account.
Free up cash in seconds with N26 Installments. Split eligible purchases into three to six monthly payments, and pay them back over time with an effective annual interest rate of 8.99% to 10.49%. We'll put the money into your account straight away, and we'll take the first installment one month later.
N26 Overdraft lets you overdraw your account when you need some extra financial flexibility. Easily-adjustable limits and transparent costs help you stay in control, and applying takes just a few minutes in the app.