Open a bank account online in minutes

Ready for a bank account you’ll actually love? Then you’re ready for N26. Transfer, receive, and manage your money right in your N26 app. Open your dream bank account in minutes—directly from your smartphone. No paperwork, stress, or waiting times. Just intuitive, easy mobile banking that works.
Open Bank Account
Hand holding a transparent debit card from N26.
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

Get a free bank account in minutes and easily manage your money right from your phone. You’ll get intuitive features like N26 Insights that give you more control over your finances, and push notifications for every transaction. Plus, enjoy access to investment tools.
Image of N26 app with a virtual card.

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. 

Mastercard

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. 

Learn more about N26 virtual card

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.

Learn more about Budgeting

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. 

Learn about Instant payments
Mastercard SecureCode - Icon - N26 Security

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.

3D Secure

Split the bill

Choose between splitting the bill evenly or assign custom amounts to each person, so everyone pays their fair share.

Split the bill

Save for your goals with Spaces

You’ve got big dreams—why not give them some space? With any N26 premium account, you’ll get 10 sub-accounts to help you save the easy way. Give each Space a unique name and savings goal, and instantly add money from your main account with just a few taps.
Get sub-accounts in minutes
A woman in the company of her instructor doing skydiving and a N26 teal card with a space called bucket list.

Open bank account in European countries

EU flag but the stars are Euro symbols.

Find a plan for you

N26 Standard

The free* online bank account

The N26 virtual card.
Virtual Card

€0.00/month

  • A virtual debit card

  • Free payments worldwide

  • Deposit protection

Open free bank account

N26 Smart

The bank account that gives you more control

N26 You card, Teal.
N26 You card, Ash.
N26 You card, Wheat.
N26 You card, Petrol.
N26 You card, Rhubarb.

€4.90/month

  • Free Virtual Card

  • Up to 10 Spaces sub-accounts

  • Support Center phone number

  • Round-ups

Open N26 Smart account
POPULAR

N26 You

The debit card for everyday and travel

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.

€9.90/month

  • Up to 5 free withdrawals in the Eurozone

  • Flight and luggage delay cover

  • Medical emergency cover

  • Winter activities insurance

  • Pandemic coverage

Open N26 You account

N26 Metal

The premium account with a metal card

N26 Metal - Slate Grey.
N26 Metal - Charcoal Black.
Quartz Rose - N26 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

Open N26 Metal account

300,000+

5-star app ratings

1,500+

Team members

FAQs

    N26 is the first 100% mobile bank to be granted and operate with a full German banking license from BaFin. That means your money is fully protected — both in your bank account and Instant Savings account — up to €100,000 by the German Deposit Protection Scheme. We currently operate in 24 markets worldwide and have over 8 million customers.

    N26 Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account. N26 Smart, You, and Metal premium accounts cost a monthly fee. For more information, visit our website to compare accounts.

    To open an N26 bank account, you must meet the eligibility criteria and an official identity document accepted in the country where you live. If you do, you can simply register via the N26 WebApp on desktop or the N26 app on your smartphone. It only takes a few minutes to open a bank account, and there’s no paperwork involved. You can start using your account right away once your identity is verified.

    In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved—just present your valid ID during a quick call and you’ll be up and running. See the list of valid documents here.. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.

    You’ll need to be at least 18 years old to open a bank account with N26.

    Opening a bank account online with N26 is simple. Just head to your app store and download the N26 app. Then, create your account and choose between an N26 Standard, Smart, You, or Metal plan. After that, you’ll need to verify your identity during a brief call with us. Once that’s done, pair your account with your smartphone and start spending and saving the N26 way!

    Once you have successfully completed the N26 account sign-up process, you will immediately have access to your virtual N26 debit Mastercard on your smartphone. Link this to Google Pay or Apple Pay to start spending immediately. If you ordered a physical card or your account includes one automatically, this will typically arrive via post in 5 to 7 business days.

Related products

The online account with clever features — N26 Smart.

The online account with clever features — N26 Smart

Choose N26 Smart for an online bank account that gives you more control over your money. Spend, save, and budget with confidence in a convenient online account that includes flexible savings, spending insights, budget automations, and much more.

Free bank account — N26 Standard.

Free bank account — N26 Standard

Join N26 and get a free online bank account that’s perfect for your everyday banking needs. It comes with a free virtual card you can use right away, two free monthly ATM withdrawals, and 24/7 chat support.

The everyday account with travel insurance — N26 You.

The everyday account with travel insurance — N26 You

Open an N26 Metal account and you’ll get one of our metal debit cards, versatile insurance and purchase protection, 15 free monthly trades in stocks and ETFs, savings at 3% p.a., and much more.