The free bank account that makes life easy
Not a fan of waiting times, hidden fees, or paperwork? Us neither. Get a free N26 bank account and manage your personal and shared finances the simple way.
Open Free Bank Account
Your free account
With a virtual Mastercard and unlimited card payments in any currency with no foreign transaction fees.
Get N26 Standard
Free withdrawals
Enjoy a set number of free ATM withdrawals in euros within the eurozone based on your membership — and unlimited free withdrawals abroad in the local currency for N26 You and Metal.
Learn more
24/7 chat support
Contact us day and night via the chat in your N26 app — in five languages.
Visit our Support Center
Simply secure
Our innovative security features keep your money and data simply secure.
Security at N26
Put your savings to work
N26 Instant Savings is our easy-access savings account that's 100% flexible. Earn interest on all your savings with no deposit limits* and dip into it anytime. N26 Metal customers enjoy our highest interest rate — currently, 2.5%** p.a.
Discover Instant Savings
Get a world of investment choices
Start investing in your future from just €1, right in your banking app. Invest in stocks and ETFs*** or crypto**** — or let the experts do the hard work for you with one of our ready-made funds***. And if you’re looking for a hands-off way to invest every month, you can set up an automated investment plan in just a few taps.
Learn more
N26 accounts — your money deserves an upgrade
N26 Standard
The free account for your everyday banking needs
Virtual Card
€0.00/month
1.3% interest p.a. on your N26 Instant Savings
Pay worldwide with no foreign transaction fees
2 free ATM withdrawals within the eurozone
A virtual debit card
N26 Smart
The bank account that gives you more control
€4.90/month
N26 You
The all-in-one account for banking and travel
€9.90/month
1.5% interest p.a. on your N26 Instant Savings
Up to 5 free ATM withdrawals in euros
Free withdrawals in the local currency outside the eurozone
Travel insurance
MORE INTEREST
N26 Metal
The premium bank account with a metal card
€16.90/month
2.5% interest p.a. on your N26 Instant Savings
Up to 8 free ATM withdrawals in euros
Pay only 1% trading fee for Bitcoin and 2% for other coins
18-gram metal card
For more information on the N26 membership plans and Allianz Assistance insurance coverage, please see the plan comparison page and the applicable T&Cs.
Open your N26 account now
Open your N26 bank account in minutes and with no paperwork — right from your phone or our website. Moving from another bank? Transfer your direct debits, standing orders, and recurring payments to your new N26 account in a few taps.*The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
**The interest rates vary based on your membership: currently, 2.5% p.a. for Metal, 1.5% p.a. for You, and 1.3% p.a. for Smart and Standard accounts. Please note that regular rates per membership are subject to change over time. This offer is available at no extra cost in the N26 app in Belgium, Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Luxembourg, the Netherlands, Portugal, Slovakia, and Slovenia.
Services and fees apply to anyone who registers with an address in Belgium, Estonia, Finland, Greece, Ireland, Lithuania, Luxembourg, The Netherlands, Portugal, Slovakia, Slovenia, Sweden, Norway, Denmark, Poland, Iceland and Liechtenstein.
***These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes. Stocks and ETFs are currently available for eligible customers in Germany, Austria, France, Spain, Ireland, Belgium Denmark, Estonia, Finland, Greece, Latvia, Lithuania, Norway, Poland, Portugal, Slovakia, Slovenia and the Netherlands. Using the N26 Broker service is always subject to eligibility.
****The market for crypto assets constitutes a high risk. A complete loss of the money spent is possible at any time. N26 Crypto is powered by Bitpanda.
N26 is the first 100% mobile bank to be granted and operate with a full German banking license from the German Federal Financial Supervisory Authority (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.
We offer our accounts in the following countries: Austria, Belgium, Denmark, Estonia, Finland, France (not available for residents in the French territories outside Europe), Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland. You can open your account if you live in one of these countries and meet our requirements. Our products and services vary by country.
N26 has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of your online payments is always guaranteed.
As a bank, N26 is supervised by BaFin. Your funds are guaranteed up to €100,000 by the German Deposit Protection Scheme. In addition, the N26 app has many features to ensure the security of your bank account and data.
In order to open a bank account with N26, you must have a government-issued ID. See the list of List of accepted ID documents here. 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. Note that you’ll need a smartphone to use your account, and must live in an eligible country where N26 operates.
The standard N26 bank account is free, with no opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, the N26 You bank account costs €9.90 per month, and the N26 Metal account is available for €16.90 per month. To open an N26 account, no deposit or minimum income is required.
You can open your mobile N26 account online in minutes from your phone or the N26 website — no paperwork or waiting times. But best of all: once your N26 bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
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