N26 Standard

The free* bank account for your everyday

Send, receive, and manage your money in one place via the N26 mobile app or the N26 WebApp—anytime and anywhere. Open your online free bank account in 8 minutes. No paperwork. No queues. No account fees. No hassle.

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 of 0.5% p.a. may apply. Please find the Terms & Conditions here.

+7 Million
Customers
25
markets
8 minutes
to open a bank account
280,000+
5-star app ratings on iOS and Android
Virtual card.

Your free Mastercard virtual card, accepted worldwide

Get a free virtual Mastercard debit card with your free bank account, and start spending with your smartphone right away. Simply tap to pay contactless with Apple Pay or Google Pay, and enjoy 3 free cash withdrawals per month from NFC-enabled ATMs.

Don’t have an NFC-enabled ATM nearby, or prefer to keep a card in your pocket? No stress—simply order a physical Mastercard debit card for a one-off €10 delivery fee.

Instant payments made easy

Make free bank transfers in real-time with N26 MoneyBeam—instantly send, receive, or request money from other N26 users using just an email or phone number.

Urgently need to move funds into your N26 account from another bank? Avoid the delay with SEPA Instant Credit Transfers to receive incoming payments into your free bank account in seconds.

Learn about Instant payments
Instant payment.

You’re in control, 24/7

Mastercard 3D Secure

Enjoy peace of mind with Mastercard 3D Secure, an advanced two-factor authentication step for online purchases.

Instant push notifications

Receive immediate push notifications for all account activity, so you’re aware of every incoming or outgoing payment as it happens.

Biometric identification

Keep your banking login extra secure by using fingerprint identification or FaceID to verify your identity and access your free bank account.

Protected up to €100,000

With N26’s full banking license, your money is always protected up to €100,000 with the German Deposit Protection Scheme.

Reach your goals with N26 Spaces

Give your financial goals even more room to grow with N26 Spaces sub-accounts. Upgrade to a premium bank account and personalize each space with a name, set your savings target, and easily stash savings aside with just a few taps.

Rather set it and forget it? Easy—create Rules to regularly move money over to a space from your free bank account, or try Round-Ups to save up the spare change whenever you pay by card.

Manage Spaces sub-accounts

Mobile or desktop? You decide.

Enjoy convenient 24/7 online access to your free bank account via the mobile app or N26 WebApp on desktop.

Hassle-free tax preparations

Export your transaction lists as a CSV or PDF file via the N26 WebApp, and easily download your bank statements in your N26 app.

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.

Go to Support Center

N26 Smart—spend and save with confidence

Want to get even smarter about your spending and saving? Go premium with N26 Smart and create 10 Spaces sub-accounts, including Shared Spaces to save together with others. Plus, pick a Mastercard in your choice of color, get even more free ATM withdrawals each month, and call us via a direct hotline if you ever need support.

Smartphone and an N26 card.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

The free bank account that's 100% flexible

Ready to discover why over 7 million customers bank with N26? Compare our premium subscriptions now, or sign up online for your free N26 bank account directly from your phone or desktop. It’s fast, simple, and easy—no paperwork required.

Frequently Asked Questions

Is N26 a real bank?

Launched in 2015, N26 is a bank operating with a full European banking license. We currently operate in 25 markets worldwide and have over 7 million customers.

Is my free bank account with N26 secure?

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.

What do I need to open an N26 Standard free bank account?

To open an N26 Standard free bank account, you need to:

  • Be at least 18 years old
  • Be a resident of a supported country
  • Have a compatible smartphone
  • Not already have an existing N26 account
  • Have a supported ID document, applicable to the country that you’re a resident in.

You can find further information here.

How do I open an N26 Standard bank account?

To open your N26 Standard bank account, you must meet the eligibility criteria. If you do, simply sign up via the N26 website, or download the N26 mobile app onto your compatible smartphone.

Opening your free bank account requires no paperwork, and only takes a few minutes online. Just remember to have an official ID ready—once we’ve verified your identity, your N26 Standard bank account will be ready to use right away.

What are the benefits of an N26 Standard free bank account?

Your N26 Standard free bank account is 100% mobile and fee-free, adding extra flexibility and convenience to your everyday. No more visiting bank branches, waiting in queues, or inconvenient opening hours. You can send, receive, and manage your money all in one app for free—from anywhere, at any time.

You’ll get a free Mastercard virtual card to pay with your smartphone in-stores, online, and in apps using Apple Pay or Google Pay. You can also withdraw cash for free 3 times per month at any NFC-enabled ATM with the contactless symbol. Plus, enjoy learning about your spending habits with built-in Statistics, and get intelligent insights into your money management.

How much does the N26 Standard free bank account cost?

The N26 Standard free bank account doesn't cost a thing! There are no maintenance fees, no minimum deposits, and no minimum account balance.