N26 Standard

The free* online bank account from N26

Your free online bank account comes with everything you need to spend, save and keep track of your money, all under one app. Open yours in minutes, and start spending before your physical N26 card arrives.

Standard N26 card on top of a brick.

*Up to €50,000 balance, after which a deposit fee of 0.5% p.a. may apply. Please find the Terms & Conditions here.

A transparent N26 Standard card.

A free Mastercard as standard

Every N26 online bank account comes with a free Mastercard debit card, accepted worldwide. Use your app to set daily spending limits, lock or unlock your card and reset your PIN anywhere in the world, 24/7.

Headache-free instant payments

After signing up, instantly top up through a debit card to get money into your account. Make bank transfers for free using N26 MoneyBeam in real-time – send, receive or request money from your contacts listed in the N26 app, or to new ones with just an email or phone number.

Need to get funds into your account straight away? Avoid the worry, and receive incoming payments in seconds with SEPA Instant Credit Transfer.

N26 Bank Account Moneybeam example transaction.

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 Bank Account Transferwise example transaction.

Easy international money transfers with TransferWise

Send money in 38 different currencies using the Transferwise feature, conveniently built into the N26 app. Save up to 6x more than you might with traditional banks—no hidden fees, no bad surprises.

Secure online banking features

Mastercard SecureCode - Icon - N26 Security.

Your N26 account is 3D Secure

With 3D Secure (3DS) from Mastercard SecureCode, get an extra layer of security that helps prevent fraud when making payments online with your N26 account.

Instant push-notification

Stay up-to-date with your account activity. Receive push-notifications immediately after all transactions, including card and mobile payments, ATM withdrawals, direct debits and transfers.

Full control over your Mastercard

Ever lost a bank card and found it again right after canceling it? Your N26 bank account lets you easily lock your card in the app, reorder it with a tap of a button, or simply unlock again.

Secure fingerprint identification

Forget typing in your password every time you want to open your N26 account. Instead, just identify yourself with your fingerprint to log in securely.

Save money with N26 Spaces

Find a better way to manage your money and save up for something special, thanks to N26 Spaces sub-accounts. Set a financial goal, give your space a name, and monitor how close you are to achieving your target.

Looking for an easier way to save and spend with others? Upgrade to a premium N26 bank account to access Shared Spaces. Simply invite up to 10 others who also bank with N26, and effortlessly budget, save, and spend together as a group.

Shared Spaces
N26 You Spaces Overview in App.

Automatic categorization of your spending

Not sure where all your money goes? Your free bank account uses artificial intelligence to automatically categorize your spending, providing you with insights in the app. To organize your transaction list better and view the total amounts spent, you can even create your own #tags – #gifts #friends #eatingout, you name it.

N26 Bank Account categorising transactions for statistics.

N26 Metal – the new generation premium account

Discover our most premium banking experience with N26 Metal. Get an exclusively-designed stainless steel Mastercard, alongside benefits such as free withdrawals worldwide, a handy package of lifestyle and travel insurance and special partner discounts to suit your lifestyle. Need help? No problem! Our priority Customer Support is always on-hand to help.

Go premium with Metal
A hand holding a credit card.

Banking from any screen with N26 Web

Once you’ve signed up to N26 using the mobile app or the website, you can also use the web application to access your account from a desktop or another device.

Export your transactions

View your transaction list, and export and download it as a CSV or PDF file for easier tax returns and invoicing.

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

Compare Accounts

Open an N26 free bank account from your smartphone or computer—it’s fast and easy, and only takes a few minutes. No paperwork required.

N26 Support speaks your language

Need help with making a bank transfer, or just have a question? Whatever the issue or need, our Customer Service team is always on-hand to help you in English, French, German, Spanish and Italian. Contact them via email, or connect with a specialist via the live chat in your N26 app.

N26 Bank Account Customer Service Chat in App.

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 5 million customers.

Is 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 are the benefits of using the free checking account?

N26 is The Mobile Bank, allowing customers to fully manage their bank account online and from their smartphone in real-time, whether they’re at home or traveling the world. There are zero exchange fees on card payments in any currency. N26 You and N26 Metal accounts also allow you to make withdrawals without foreign currency exchange fees and offer access to premium benefits—these include exclusive partner deals and offers, as well as a comprehensive package of lifestyle and travel insurance, courtesy of Allianz.

How much does it cost to open a N26 bank account?

The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 You bank account costs €9.90 per month and the N26 Metal account is available for €16.90 per month, with a 12-month commitment period. To open an N26 account, no deposit or minimum income is required.

How to open an N26 bank account?

If you meet the eligibility criteria, you can open an account with N26. Simply register via the website or by downloading the N26 mobile app to a compatible device. Opening an account only takes a few minutes and is done without paperwork—all you need is a smartphone and an official form of identification. Once you have verified your identity, your bank account will be ready to go.