Meet your free student bank account

  • no account maintenance fees
  • free virtual card, apple pay and google pay
  • straightforward banking without complicated conditions
  • fee-free withdrawals, no matter which ATM
  • Intuitive app, perfect for banking on the go
  • simple savings features

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Student Account for smart finances

Say goodbye to waiting times, hidden fees, and paperwork. Get a student current account with a Virtual Card and 24/7 support — manage your money from anywhere. For a one-time fee of only 10 euros, you also receive a physical debit card.  

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Master your spending with Insights

Meet N26 Insights, the smart feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on shopping, groceries, and more—all it takes is a quick glance to stay on track with your monthly budget. See where your money went last month with the Monthly Wrap-Up, so you can fine-tune your spending habits. Plus, with a clear overview of your upcoming regular payments, it’s easy to plan ahead and stay on top of your finances.

Learn about budgeting

Instant payments made easy

Send, receive, or request money from other N26 customers with Moneybeam, or conveniently send payments to another bank with SEPA Instant Credit Transfers.

100% digital and secure

N26 has a full European banking license. That means the funds in your student account are protected up to €100,000, so you can enjoy 100% secure, mobile banking!

No hidden costs

100% transparency, 0% hidden costs. Benefit from free ATM withdrawals all over Austria and free payments in any currency—all with our N26 student bank accounts!

Real-time banking

Track your account activity. Receive real-time push notifications for every transaction, including card payments, withdrawals, transfers, and more.

N26 Smart—spend and save with confidence

Finally, a student bank account that’s just as mobile as you are. With N26 Smart, managing your finances is effortless and, well, smart! Save money for your unique goals with Spaces sub-accounts—our signature virtual piggy banks. To save even more, use Round-ups to automatically round up card payments to the nearest euro and transfer the difference to a designated Space.

A free bank account with reliable Customer Support

Whatever your need, we’ve got your back. Connect with our N26 Customer Support specialists in English, German, Spanish, French, and Italian via the in-app chat, or visit the N26 Support Center to quickly find answers to our most frequently asked questions.

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Find your perfect student bank account

Ready to open your student bank account with N26? Compare our premium plans and sign up online in minutes—all you need is some WiFi, your ID, and your smartphone. No paperwork needed!


What is a student account?

A student account is a bank account specifically tailored to the needs of students. It typically offers specific advantages that cater to the financial situation and lifestyle of students. These benefits may include lower or no account maintenance fees, free ATM withdrawals, a free credit card, an increased overdraft limit, or special offers for young customers.

How do I open a student bank account?

Opening a student bank account with N26 is as easy as 1-2-3.

  1. Go to or download the N26 mobile app.
  2. Choose the type of bank account you want, and sign up online in minutes. You’ll need to verify your identity with a valid ID.
  3. Top up your student bank account instantly, and start using your new N26 Mastercard with Apple Pay or Google Pay—even before it arrives in the mail!

What do you need for a student account?

While many banks require an enrollment confirmation as proof of your studies, with N26 you only need a valid identification document to open your student bank account.

What are the benefits of student bank accounts?

A student account comes with a number of benefits. With an N26 student bank account, you’ll have access to free features to save and budget the easy way. Our Statistics feature neatly categorizes your spending in categories such as “Food & Groceries” or “Shopping.” On top of that, you’ll enjoy free ATM withdrawals and get exclusive discounts at popular brands such as FlixBus, Reebok and GetYourGuide. Plus, an N26 student account is completely free of charge!

Until when is a student account?

In general, student accounts usually remain valid for the duration of your studies. Once you have completed your studies or finished your enrollment at the university, the special conditions and benefits of the student account might end. However, with N26, you keep all the favorable conditions even after your studies!

How much money do I need to open a student account?

The cost of a student bank account depends on the bank you choose. Some banks ask users to top up their balance immediately when opening their student bank accounts. This is sometimes referred to as a ‘minimum opening deposit.’ Other banks will charge you a monthly fee that’s automatically deducted from your account—so-called ‘maintenance fees’.

With a free N26 student account, you won’t have to worry about maintenance fees or minimum opening deposits. In fact, you can open an account directly in the N26 app in just minutes—it’s fast, simple and 100% paperwork-free. And, N26 is a fully licensed, 100% mobile bank, meaning your money is protected up to €100,000 just like with traditional banks.

How much money can one have in a student account?

There is usually no specific limit on the amount of money that can be held in a student account. Student accounts are generally regular bank accounts that are offered specifically to students, and there are no restrictions on the account balance.

Can I open a student bank account without a parent?

Whether you can open a student bank account without your parents depends on the laws of the country you’re living in. In general, you’ll need a parent or guardian’s consent to open a bank account if you’re a minor. With N26, you can open a student bank account without a parent as soon as you’re 18 years old. Check the eligibility requirements here.

What is the best student bank account at N26?

It all depends on your situation. If you’re looking for a free student bank account, our online free account N26 Standard is the perfect choice. You’ll get a virtual N26 Mastercard to use with Apple Pay or Google Pay, a local IBAN to easily pay bills, and you can send, receive, and request money between other N26 friends for free with N26 MoneyBeam.

If you’re looking for a student bank account that’s packed with easy-to-use budgeting and savings features, look no further than N26 Smart. You’ll get a contactless N26 Mastercard in your choice of color, even more free ATM withdrawals, and N26 Perks discounts from brands you love. Plus, you can create up to 10 Spaces and Shared Spaces sub-accounts to put money aside to save and budget for different projects, goals, or expenses—by yourself, or together with up to 10 others. It’s the perfect all-rounder for only €4.90/month.

Is it a blocked account?

A blocked account is a special type of account required in some countries for international students to prove their financial capability during their studies. This account serves to ensure that you have sufficient financial resources available during your stay to cover living expenses and tuition fees. The N26 student checking account is not a blocked account.

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