Meet your free student bank account

  • no account maintenance fees
  • free virtual card, apple pay and google pay
  • straightforward banking without complicated conditions
  • fee-free withdrawals, no matter which ATM
  • Intuitive app, perfect for banking on the go
  • simple savings features
Open Student Bank Account
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Student Account for smart finances

Say goodbye to waiting times, hidden fees, and paperwork. Get a student current account with a Virtual Card and 24/7 support — manage your money from anywhere. For a one-time fee of only 10 euros, you also receive a physical debit card.  
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Master your spending with Insights

Meet N26 Insights, the smart feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on shopping, groceries, and more—all it takes is a quick glance to stay on track with your monthly budget. See where your money went last month with the Monthly Wrap-Up, so you can fine-tune your spending habits. Plus, with a clear overview of your upcoming regular payments, it’s easy to plan ahead and stay on top of your finances.
Learn about budgeting

Instant payments made easy

Send, receive, or request money from other N26 customers with Moneybeam, or conveniently send payments to another bank with SEPA Instant Credit Transfers.

100% digital and secure

N26 has a full European banking license. That means the funds in your student account are protected up to €100,000, so you can enjoy 100% secure, mobile banking!

No hidden costs

100% transparency, 0% hidden costs. Benefit from free ATM withdrawals all over Austria and free payments in any currency—all with our N26 student bank accounts!

Real-time banking

Track your account activity. Receive real-time push notifications for every transaction, including card payments, withdrawals, transfers, and more.

N26 Smart—spend and save with confidence

Finally, a student bank account that’s just as mobile as you are. With N26 Smart, managing your finances is effortless and, well, smart! Save money for your unique goals with Spaces sub-accounts—our signature virtual piggy banks. To save even more, use Round-ups to automatically round up card payments to the nearest euro and transfer the difference to a designated Space.

A free bank account with reliable Customer Support

Whatever your need, we’ve got your back. Connect with our N26 Customer Support specialists in English, German, Spanish, French, and Italian via the in-app chat, or visit the N26 Support Center to quickly find answers to our most frequently asked questions.
Visit our Support Center
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Find your perfect student bank account

Ready to open your student bank account with N26? Compare our premium plans and sign up online in minutes—all you need is some WiFi, your ID, and your smartphone. No paperwork needed!
Open Student Bank Account

FAQs

  • What is a student account?
  • How do I open a student bank account?
  • What do you need for a student account?
  • What are the benefits of student bank accounts?
  • Until when is a student account?
  • How much money do I need to open a student account?
  • How much money can one have in a student account?
  • Can I open a student bank account without a parent?
  • What is the best student bank account at N26?
  • Is it a blocked account?

Learn how to manage your finances as a student

Woman lying on a sofa looking at her mobile and man working on his computer.

12 ways to save money on a college student budget

Use these 12 tips to save money and reach financial independence while you’re still in school

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What is the cost of attendance at university?

It’s important to consider the cost of attendance when studying at university. From tuition fees to living costs, here’s everything you need to know.

A text "ATM" against a red background.

Banking Basics: all about ATM cash machines

ATMs have a solid concept: type PIN, get money. But if you’ve ever wondered what comes next, this guide holds the answers.