N26 Launches ‘N26 for under 18s’, Marking the First Step in its Family Offering
Berlin, 27 January 2026 – N26 today announced the launch of N26 for under 18s, a new kids’ debit card designed for children aged 7 to 17, managed through their parent’s N26 app. The product gives kids their own debit card, empowering them to embark on their first experiences with financial independence and money management. Parents stay in full control through their N26 app, where they can manage spending limits, card settings, and all account activity.
This launch marks a strategic milestone in N26’s ambition to build a holistic, digital-first banking offering for the entire family. With N26 for under 18s, the company is taking its next step to build a seamless financial ecosystem for families, connecting loved ones, allowing customers to manage their finances together, and building future wealth across life stages – from childhood and adolescence to adulthood - all within the N26 app.
First Step to Financial Independence
N26 for under 18s is specifically built to address the needs of parents in managing the family's finances and actively involve their children in everyday financial decisions, fostering responsible spending and saving habits from an early age. The product provides a unified view of their child’s spending alongside their own, while allowing parents to effortlessly guide their child's first steps in money management in an increasingly cashless world, all within a completely secure environment.
By introducing children to digital banking and structured money management early on, N26 enables families to build financial understanding that can evolve over time into saving, investing, and long-term wealth accumulation.
N26 for under 18s operates as a dedicated Space with its own IBAN, within the parent’s existing N26 account. The child receives a Mastercard debit card issued under their name, with full parental oversight and control in real time. This includes:
N26 for under 18s will be rolled out to all eligible customers in Germany and Austria with an active personal or business N26 account, across all membership tiers.
For more information and to sign up for N26 for under 18s, please visit the N26 website.
- Easy Top-Ups and Spending Limits: Parents can effortlessly top up funds and set customizable spending limits on their child’s card, directly in the N26 app.
- Real-Time Notifications: The option to receive real-time notifications, keeping parents informed instantly.
- Instant Card Control: The ability to instantly freeze or unfreeze the card anytime from the app.
- Full Financial Safety: The account has no overdraft capability, ensuring spending is strictly restricted to the balance provided by the parent.
- Holistic Family View: Parents can manage their personal finances, the child’s Space, and even a joint account with their partner, all within the N26 app.
Marcus W. Mosen, Co-CEO of N26 said: “Digital payments are an integral part of our daily life. Even in traditionally cash-focused markets like Germany, around two thirds of all retail purchases are now cashless. With N26 for under 18s, parents can empower children in an increasingly cashless world, helping them build modern money management skills early on. Young people under 18 account for 18 percent of the EU population, and the demand for age-appropriate and secure solutions across markets is significant. Here, N26’s ambition is to also deliver innovative financial services for the next generation.”
About N26
N26 is Europe’s leading digital bank with a German banking license. It offers simple, secure and customer-friendly mobile banking to millions of customers in 24 markets across Europe. N26 processes over 140bn EUR in transactions a year and currently has a 1,600-strong team of more than 90 nationalities. The company is headquartered in Berlin, with offices in multiple cities across Europe, including Vienna, Paris, Milan and Barcelona. Founded by Valentin Stalf and Maximilian Tayenthal in 2013, N26 has raised close to US$ 1.8 billion from some of the world’s most renowned investors.
Website: n26.com | N26 Press Contact: press@n26.com