Security at N26
N26 has been operating with a full German banking license since 2016, and is governed by the same laws and regulations as any other bank. This means that your funds are protected up to €100,000 by the German Deposit Protection Scheme—and that your money and N26 bank account are secure. Below, learn more about the additional security settings and measures that keep your finances safe like 2F and 3D Secure.

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.
Smartphone pairing
Pair your account to one smartphone at a time, ensuring that only you have access to your money.
Biometric authentication
Log in within seconds using a secure password—or via fingerprint identification and face recognition—and manage your bank account on-the-go.
3D Secure technology
Benefit from extra security against fraud, thanks to advanced 3D Secure (3DS)—an additional authentication step that protects your online purchases.
Discover how it worksDiscreet mode
With this innovative feature, you can blur your account balance with the swipe of your finger—great for using the N26 app in public.
Explore this data privacy feature
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.
Instant push notifications
With real-time push notifications on all account activity, stay up-to-date with all your incoming and outgoing payments, and always know what’s happening with your account.

How N26 keeps you and your money safe
Deposit protection scheme: why your money is protected
Looking for reassurance that your money is protected? Deposit protection schemes help secure the money in your bank account.
Money laundering: how banks stay one step ahead of criminal activity
Money laundering accounts for billions each year. Here’s how banks fight back with anti-money laundering processes to detect suspicious activity.
Tips for secure mobile banking
From protecting your password to locking your screen, read our 5 essential tips for secure mobile banking.
How you can protect yourself
Stay safe while online shopping—here’s how to protect your money and your data
Spending more time inside? Shop smart with these online shopping tips
Online scams: how to spot fraud and stay safe on the web
Make sure you stay safe online by learning all you need to know on avoiding online scams with this handy guide.
Protect yourself from smishing scams with this simple guide
Keep your sensitive information safe from SMS-based fraud.
Our tips for safer mobile banking
Your N26 account comes with advanced security settings to keep your money safe. Yet, it’s 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 your own devices, and avoid using a public WiFi connection. Make sure your anti-virus software is up-to-date on your computer, and that you’re always using the latest version of the N26 app. Learn more in our Complete Guide to Secure Online Banking.
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.
Learn moreWe’re there for you - anytime
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.
Security at N26
What is N26?
Founded in 2013, N26 is an online bank operating with a full European banking license since 2016. We currently operate in 25 markets worldwide and have over 7 million customers.
How is N26 protecting my money and personal data?
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 safe 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 traditional banks. Thanks to our European banking license, your money is protected up to €100,000 by the German Deposit Protection Scheme. At N26, we take extensive steps to keep you safe when banking 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 of and access to your funds. Plus, you can personalize your security settings, wherever you are. Lock or unlock your card, set spending limits, and much more 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.