Open a bank account online in minutes
Sign up
Hit the button below and enter your personal details in order to create your account.
Verify your identity
Please have a valid ID at hand. We don't have branches so you can verify your identity within the app.
Add your card to your wallet
Your N26 virtual debit card is ready to use.
Enjoy your N26 account!
You're good to go! You can already top up your account and start using your virtual card.
N26 Standard— free account, no commissions
N26 features you’ll love
Get a virtual or physical debit Mastercard
Your debit Mastercard is accepted worldwide and offers zero foreign transaction fees—as well as SecureCode authentication for extra security.
Virtual card
Connect your virtual card to Apple Pay or Google pay, and start spending right from your mobile wallet the minute you open your account.
Budgeting tools
From instant push notifications to spending limits to in-depth features like N26 Insights, you’ll have all the tools you need to stay within budget.
Instant payments
Send or receive money 24/7, and top up your account in seconds. Plus, easily transfer money to other N26 customers via MoneyBeam.
3D Secure for online payments
Shopping online? Your free bank account is equipped with Mastercard’s 3D Secure (3DS)—an advanced two-factor authentication step that keeps your money safe.
Split the bill
Choose between splitting the bill evenly or assign custom amounts to each person, so everyone pays their fair share.
Save for your goals with Spaces
Open bank account in European countries
Find a plan for you
N26 Standard
The free* online bank account
€0.00/month
A virtual debit card
Free payments worldwide
Up to 3 free withdraws
Deposit protection
N26 Smart
The bank account that gives you more control
€4.90/month
N26 You
The debit card for everyday and travel
€9.90/month
Up to 5 free withdrawals in the Eurozone
Flight and luggage delay cover
Medical emergency cover
Winter activities insurance
Pandemic coverage
N26 Metal
The premium account with a metal card
€16.90/month
An 18-gram metal card
Up to 8 free withdrawals in the Eurozone
Purchase protection
Phone insurance
Dedicated N26 Metal line
300,000+
5-star app ratings
1,500+
Team members
FAQs
- Is N26 a bank?
- How much does it cost to open a bank account?
- What do you need to open a bank account?
- What documents do I need to open a bank account?
- How old do you have to be to open a bank account?
- Can I open a bank account online?
- How long does it take to get an N26 debit card?
Related products
Bank account online with N26 Smart
Sign up for a 100% mobile bank account. Get a colorful Mastercard, free ATM withdrawals, 10 sub-accounts, phone support, and more.
Free bank account with N26: open yours in minutes
Get a free bank account with N26, and enjoy a 100% flexible, mobile banking experience. It just takes a few minutes, and all you need is your smartphone.
A debit card for everyday and travel
A premium account for your daily needs and travel abroad—without the hidden fees. Open your bank account, and get an N26 debit card in your choice of color.