Security at N26
N26 operates with full European banking license, and the security of your bank account is always top priority. Alongside a series of intelligent features that keep your funds secure, your money is also protected up to €100,000 by the German Deposit Protection Scheme.
Security procedures to keep you safe
Your N26 bank account comes with three-tier security measures that protect all your transactions, as well as additional in-app features for extra peace of mind.
Pair your account to one smartphone at a time, and ensure that only you have access to your money.
Log in in seconds with a secure password or via fingerprint identification and face recognition, and enjoy managing your bank account on-the-go.
Alongside choosing a secure confirmation PIN to confirm all outgoing transfers after pairing your account, you can also change your card PIN easily in the app, whenever you want.
Benefit from extra protection against fraud, thanks to advanced 3D Secure (3DS) technology that offers an additional authentication step when making online purchases.
With push-notifications in real-time after all account activity, always stay up-to-date with where all your incoming and outgoing payments are going, and when. There’s no need to wait days for transactions to appear in your account, or until the end of a billing period to access an overview of all your funds.
Customizable security settings
Control your card’s setting wherever you are, right from the N26 app. Adjust your cash withdrawals and spending limits, and set restrictions on transactions made online or abroad. Reset your PIN, lock your card to prevent any unauthorized access if you misplace it, and even unlock it again if it turns up.
Stay alert online
Your account already comes with advanced security features to keep your money safe, but it’s always important to remain vigilant and take further measures to protect yourself. Never write down your passwords or PIN, only log into your N26 account on a computer you trust, and avoid using a public WiFi connection. Additionally, make sure your anti-virus software is up-to-date on your computer, and that you’re always using an updated version of the N26 app.Download the guide
What is phishing?
Phishing is when someone attempts to get your password or login details through deceptive emails, text messages or fake websites. To protect yourself from online fraud, avoid clicking on links in emails or text messages that seem suspicious. We will never ask you for your password or PIN—if you’re ever in doubt, contact our N26 Support team before you proceed.
N26 Customer Service is here to help
If you think your account’s security has been compromised, inform us immediately by reaching out to N26 Customer Service. Send us a message, or speak to one of our service agents via the chat in your N26 app—we take fraudulent activity very seriously and are on-hand to provide assistance.
Alternatively, if you have any questions or want to learn more about security at N26, you can find more information in our N26 Support Center.
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 is online banking security?
At N26, we take many steps to keep you safe while you bank online. To ensure your online banking security, your bank account comes with additional security measures such as 3D Secure and 2-Factor-Authentication to protect your transactions, alongside many in-app features for your peace of mind. Your funds also covered up to €100,000 by the German Deposit Protection Scheme.
Is it secure to do online banking from my phone?
N26 is a 100% mobile, fully licensed bank, which means that we provide the same level of security and follow the same regulations as other traditional banks. Thanks to our full European banking license, your money is also protected up to €100,000 by the German Deposit Protection Scheme. At N26, we take many steps to keep you safe while you bank online. 2-Factor-Authentication protects your account from being accessed by others, while 3D Secure technology encrypts your personal payment information when you shop online. As an N26 customer, you’ll always have full control and access to your funds, wherever you are—you can lock or unlock your card and set spending limits with just a few taps in your N26 app.
How can I increase my online banking security?
Alongside your bank account’s advanced security features, you can take further steps to increase your online banking security. Never write down your passwords or PIN, only log into your account from a device you trust, and only via a secure WiFi connection. Additionally, to protect yourself from online fraud, avoid clicking on links in emails or text messages that seem suspicious. For more information on how to spot fraudulent behavior—and maintain your online banking security—take a look at our Security guide.