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.
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 1.7%* p.a. interest on their savings. Prefer 3%* p.a.? Choose N26 Metal.
More about the Instant 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.
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
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.
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
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
- 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.
Founded in 2013, N26 is an online bank operating with a full European banking license since 2016. We currently operate in 25 markets worldwide and have over 7 million customers.
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.
To open an N26 Standard free bank account, you need to:
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.
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 Insights, a smart tool that automatically categorizes your spending in real time.
The N26 Standard free bank account doesn't cost a thing! There are no maintenance fees, no minimum deposits, and no minimum account balance.
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*N26 Instant Savings account interest rates are based on your main N26 Membership: 1.7% p.a. for Standard and Smart, 2% for You, and 3% p.a. for Metal (before taxes), as of 1.8.2024. Interest rates p.a. are equivalent to AER in Ireland and TANB in Portugal (before taxes).
Please note that rates per membership are variable and can be changed by N26 over time.
**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.