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 minutes. No paperwork. No queues. No account fees. No hassle.
N26 banking app showing a virtual mastercard on a light green background.

Start earning interest

No deposit limits,** simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.N26 Standard customers get 2.8%* p.a. interest on their savings. Prefer 4%* p.a.? Choose N26 Metal.
More about the Instant Savings account
Woman dressed in blue, sitting, and holding her cell phone with the N26 application open. In the foreground, image of the 2.8% p.a. interest rate, balance in the main account, and in the savings account.

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.
Virtual card.

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 SecureCode - Icon - N26 Security

Mastercard 3D Secure

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

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Instant push notifications

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

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Biometric identification

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

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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.

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

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.
Get bank account
Smartphone and an N26 card.
The N26 virtual card.
Gray N26 Business Metal card.
N26 You card, Rhubarb.

The free bank account that's 100% flexible

Ready to discover why over 8 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

  • What is N26?
  • How is N26 protecting my money and personal data?
  • What do I need to open an N26 Standard free bank account?
  • How do I open an N26 Standard bank account?
  • What are the benefits of an N26 Standard free bank account?
  • How much does the N26 Standard free bank account cost?

*The interest rates are based on your N26 membership: 2.8% for Standard, Smart, and You, and 4% for Metal. The interest rates are variable and subject to change in the future. Interest rates p.a. are equivalent to AER in Ireland and TANB in Portugal (before taxes). **The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.