N26 euro bank account

N26’s free online bank account lets you send, receive, and manage your money all in one convenient place. Sign up online in just 8 minutes, straight from your smartphone. No paperwork. No hidden fees. No hassle.

N26 euro bank account is available in following countries: Sweden, Norway, Denmark, Poland, Iceland and Liechtenstein

N26 banking app showing a virtual mastercard on a light green background with Forbes best bank logo.

*Up to €50,000 balance, after which a deposit fee may apply. Please find the Terms & Conditions for more information.

Deposit insurance

N26 is a fully German licensed bank. That means money you deposit in your free bank account is insured up to €100,000.

Manage your finances in real-time

It’s all controllable in the N26 app—set payment limits, lock your card, send money to friends, and receive notifications on all transactions.

Streamline your eurozone finances

Withdraw euros up to 5 times a month for free at any ATM in the eurozone. Your Mastercard card also works anywhere in the world—with no foreign exchange fee. Pay and receive payments in euros without having to worry about the exchange rate.

Keep your savings in euros

You can use your N26 account to save in euros and take advantage of the European deposit insurance.

2FA and 3D Secure

If you shop online, you’re always secure with N26—every purchase includes 2-factor authentication to keep you in control of your spending.

Push notifications

No matter where your money’s going, your N26 app will send you push notifications after each transaction so you’ll never be surprised by your balance.

Find a plan for you

Popular

N26 Smart

The bank account that gives you more control

N26 You card, Rhubarb.
€4.90
/month
  • Free Virtual Card
  • Up to 10 Spaces sub-accounts
  • Shared Spaces
  • Round-ups
Get bank account

N26 You

The debit card for everyday and travel

N26 You card, Petrol.
€9.90
/month
  • Up to 5 free withdrawals in the Eurozone
  • Flight and luggage delay cover
  • Medical emergency cover
  • Winter activities insurance
Get N26 You

N26 Metal

The premium account with a metal card

N26 Metal - Charcoal Black.
€16.90
/month
  • An 18-gram metal card
  • Up to 8 free withdrawals in the Eurozone
  • Car rental insurance
  • Phone insurance
Get N26 Metal

Frequently Asked Questions

What is N26?

Founded in 2013, N26 is a bank operating with a full European banking license since 2016. We currently operate in 25 markets worldwide and have over 7 million customers.

How is N26 protecting my money and personal data?

As a bank, N26 is supervised by the Financial Markets Regulator and meets all European regulatory requirements. Our clients' funds are guaranteed up to €100,000 by the Deposit Protection Fund. In addition, the N26 app has many features to ensure the security of its users' bank accounts and data.

Why is my bank account denominated in only euros?

We’re a licensed European bank located in the eurozone. So while we support all SEPA transfers, we don’t support all European currencies.

How can I deposit money into my N26 account from my local account?

The best way to do that is using TransferWise. Just use your N26 IBAN; it’s simple and costs up to 6x less than other bank currency conversions. Find out more here.

How do I send money from my N26 account to my local account?

For outgoing transfers in foreign currencies, we’ve integrated TransferWise directly into the N26 app. Initiate a transfer and input your local account’s IBAN and we’ll show you the exchanged amount immediately.

How many withdrawals can I make in euros?

Your account is covered under our Fair Use Policy; which means you can make up to 5 free withdrawals a month across the eurozone.

Is there a fee for withdrawing in another currency?

Yes. If you’re outside of the eurozone, we charge a 1,7% fee with every withdrawal.

Available for residents in Sweden, Denmark, Norway, Poland, Iceland and Liechtenstein holding a supported ID.