The bank you’ll love

Money made beautifully simple. Spend, save, and invest in one intuitive app that's trusted by millions.
Open free bank account

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
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An N26 virtual card with a map highlighting cash points in the background.

Your free account

With a virtual Mastercard and unlimited card payments in any currency with no foreign transaction fees.

Get N26 Standard
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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.

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24/7 chat support

Contact us day and night via the chat in your N26 app — in five languages.

Visit our Support Center
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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, 3%** p.a.
Discover Instant Savings
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Invest in stocks, ETFs, and crypto

N26 customers in Ireland and the Netherlands can now buy stocks and ETFs right in their banking app***. Pay a flat rate of only €0.90 per trade. And if you’re an N26 Metal customers, get 15 free trades every month — or 5 free monthly trades if you have N26 You. Invest as little as €1 and automate it with our flexible investment plans. Curious about crypto? We’ve got over 200 cryptocurrencies to pick from****.
Learn more
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N26 accounts — your money deserves an upgrade

N26 Standard

The free account for your everyday banking needs

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Virtual Card

€0.00/month

  • 1.7% interest p.a. on your N26 Instant Savings

  • Pay worldwide with no foreign transaction fees

  • 3 free ATM withdrawals within the eurozone

  • A virtual debit card

Open free bank account

N26 Smart

The bank account that gives you more control

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.

€4.90/month

  • 1.7% interest p.a. on your N26 Instant Savings

  • Up to 10 Spaces sub-accounts

  • Customer support hotline

  • Virtual and physical card

Open N26 Smart account

N26 You

The all-in-one account for banking and travel

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Ash.
N26 You card, Teal.

€9.90/month

  • 2% 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

Open N26 You account
MORE INTEREST

N26 Metal

The premium bank account with a metal card

N26 Metal - Charcoal Black.
N26 Metal - Slate Grey.
Quartz Rose - N26 Metal Card.

€16.90/month

  • 3% 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

Open N26 Metal account

For more information on the N26 membership plans and Allianz Assistance insurance coverage, please see the plan comparison page and the applicable T&Cs.
N26 You card, Petrol.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.

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.
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*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, 3% p.a. for Metal, 2% p.a. for You, and 1.7% 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 and ETFs. These statements also do not constitute an offer to conclude a contract for the purchase or sale of stocks and ETFs. Stocks and
ETFs 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 Ireland and the Netherlands. ****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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