Cookie Policy

(Version 1.0 – 25. May 2018)

I. About Cookies

What are Cookies? A cookie is a technology for remembering something about you as our user. Cookies are small text files with information which are stored on your access device.

Without cookies, every website and every app is simply losing its memory every time you visit a new page or open up the app again. It doesn’t remember who you are and what you did or what you like. This can be fairly complicated as many of the user experience you are used to get from N26 when using our website or app would cease to exist. Without this memory we, for example, can’t log you in as we forgot who you are. Or we can’t show you the rights language settings because we don’t know where you are coming from. So all these useful functionalities which makes N26 so enjoyable wouldn’t be possible. But not using cookies also means that you can’t be tracked. Some websites use cookies to remember what you do on their website, and to target ads at you. That sounds bad but as cookies also remember what you like there will be no advertising - or at least less advertising - that you’re not interested in. Another scenario is that cookies will be used to know which of our marketing partners send you to us. If you click on an N26 ad on another website, this website uses cookies to let us know that you’re coming from them.

Cookies aren’t automatically good or bad, but it’s worth understanding what you can do about them and to take your own decision on your data.

II. What types of cookies exist?

Some of the Cookies used by us will be automatically deleted from your hard drive at the end of your browser session (Session Cookies). We also use Cookies which remain on your hard drive for a certain period after the end of your browser session (Persistent Cookies). Then on your next visit, the country and language you selected on your last visit to our Website will immediately be recognised. These Persistent Cookies will be stored on your hard drive and deleted by the browser after the prescribed period. These Cookies may also include Cookies from third-party providers (Third-Party Cookies).

III. Your decision

What will you be asked to decide about and when? When you’re visiting our Website or our WebApp and when you’re installing our app, you’ll be asked if you agree on the usage of cookies in order to track from whom of our partners you were sent to us and in order to show relevant information to you. You need to actively respond to that question in order to activate these cookies.

IV. Which cookies are covered by your consent?

We are only asking for your consent to use marketing cookies. Cookies that enable us to improve the functionality and security of our Website/WebApp or App are necessary to provide you with the product the world loves to use. We assume that you want us to remember you at your next login. We assume you want us to show you our website in the language you understand. And we assume you want us to improve our performance by e.g. letting us know how often you visited a specific N26 website and with this information to produce more content you might be interested in.

V. What kind of data is collected that is necessary for a safe and efficient product?

As explained under III. above, we are automatically using cookies which are necessary for the functionality and security of our product and are not asking for your consent. Thereby we are collecting the following data: IP address Date and time of the request Time zone difference to Greenwich Mean Time (GMT) Content of the request (specific page) Access status/http status code Volume of data transferred Website (from which the request comes) Information of the Browser Information of Operating system (e.g. version or producer) Information of the device Language and version of the browser software Referrer (the last visited website, if available)

VI. Which cookies are covered by your consent?

To understand which cookies are covered by your consent here is a list of the marketing cookies we are using and what they are doing for us:

1. Use of Google Analytics and Google Tag Manager

Our Website and our Web-App use Google Analytics and Google Tag Manager; web analysis services of Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA (hereinafter: “Google”). Google Analytics and Google Tag Manager use so-called “Cookies”; text files which are stored on your computer/smartphone and which enable analysis of your use of our Website and Web-App. The information generated by the Cookie about your use of our Website and Web-App is generally transmitted to a Google server in the USA and stored there. However, within member states of the European Union or in other parties to the Agreement on the European Economic Area, your IP address will be previously shortened by Google on our Website and Web-App. Only in exceptional cases will the full IP address be transmitted to a Google server in the USA and abbreviated there. Google will use this information on behalf of the operator of this Website/App to evaluate your use of the Website, in order to compile reports about the Website activities and to render further services to the Website operator/App operator connected with the Website use/app use and internet use. The IP address transmitted by your browser within the framework of Google Analytics and Google Tag Manager will not be merged with other data from Google. You can find more detailed information about this at: We hereby point out that, on our Website, Google Analytics are expanded with the code “gat._anonymizeIp();” in order to guarantee an anonymised collection of IP addresses (so-called IP Masking).

2. Use of Finance ads on our Website

N26 Bank uses the Re-Targeting Tool of financeAds GmbH & Co. KG, Karlstrasse 9, 90403 Nuremberg (hereinafter: “Finance Ads”), in order to be able to inform you about advertising on other websites that may interest you. For this purpose, alias information about the use of our Services will be stored in Cookies and on this basis advertisements will be displayed on other websites. No usage profiles will be merged with your personal data as a result of this and no identifying information about your person will be disclosed to third parties.

3. Use of FinanceQuality on our Website

N26 Bank uses the FinanceQuality statistics tool. FinanceQuality.net is a service provided by Netzeffekt GmbH, Theresienhöhe 28, 80339 Munich. With the FinanceQuality tool, N26 Bank can record the online mediation achieved from other pages. You can find further information about this in the FinanceQuality Privacy Policy: https://financequality.net/agb/

4. Use of HasOffers on our Website

We work with TUNE Inc. (“HasOffers”). This service uses cookies and pixel tags to determine when affiliates/ partner websites refer new customers to N26. Further information can be found in the HasOffers privacy policy at:

5. Use of Taboola on our Website

We are using Taboola, a platform to purchase media which provides display advertising space.
Further information can be found in the Taboola privacy policy at: https://taboola.com/cookie-policy

6. Use of M6 Web

We are using M6 Web SAS to test email marketing. M6 Web will promote N26 by email to their customer base and we are implementing their pixel on our website so that they can track the number of conversions they bring us. Further information can be found in the M6 Web privacy policy at:

7. Use of Google Adwords on our Website

We are using the remarketing function from Google Adwords on our website. This function serves to present visitors to the Website with advertisements tailored to their interests, within the framework of the Google advertising network. The Website visitors’ browser stores so-called “Cookies”; text files which are stored on your end device and which enable the user to be recognised when they access websites which are part of Google’s advertising network. On these pages, the user can then be shown advertisements related to content that the visitor has previously accessed on websites which use Google’s Remarketing function. You can find further information about Google Remarketing and Google’s Privacy Policy at: .

8. Use of Facebook on our Website

We use cookies to help us show relevant ads to Facebook users. Cookies allow us to help deliver ads to people who have previously visited our website and to recommend our services based on that activity. We also use cookies to help measure the performance of our ad campaigns. We are able to see how many people from our Facebook campaigns take an action on our site through these cookies.
You can find further information about Facebook Cookie Policy and Facebook’s Privacy Policy at: https://www.facebook.com/policies/cookies/

VII. How can you revoke your consent?

You have the right to revoke your consent to use marketing cookies at any time. If you do so, we will not process your data for these purposes anymore. The data processing that has been performed until receipt of your revocation stays legitimate. For your revocation there is no form required and should be provided to the following address: N26 Bank GmbH Data Protection Officer Klosterstraße 62 10179 Berlin E-Mail: Datenschutz@n26.com