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 accountGet 10% of your card spending back in stock
Until January 6, join N26 and and get up to €100 in stock in one of the world’s most valuable companies.
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The free bank account that makes life easy
Join the online bank that lets you manage your shared finances right alongside your personal account. No waiting times, no hidden fees, no paperwork — just beautifully simple banking on the go.
Open N26 Standard Account
Your free account
With a virtual Mastercard and two free domestic ATM withdrawals per month.
Get N26 Standard
Simply secure
Our innovative security features keep your money and data simply secure.
Security at N26
24/7 mobile banking
Enjoy a fully transparent bank account that's made for travelling, with 24/7 support when you need it.
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Send and receive money
Pay friends and make quick, simple transfers within the eurozone.
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Put your savings to work
N26 Instant Savings is our easy-access savings interest-bearing account* that's 100% flexible. Earn interest on all your savings with no deposit limits** and dip into it anytime. Win-win.
Discover Instant Savings
Invest in stocks, ETFs, and crypto
Trade stocks and ETFs*** right in your N26 app. Pay a flat rate of €0.90 per trade, with 15 free monthly trades for N26 Metal customers, and 5 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 350 cryptocurrencies to pick from****.
N26 accounts — your money deserves an upgrade
N26 Standard
The free account for your everyday banking needs
Virtual Card
€0.00/month
Up to 2 free ATM withdrawals in euros
Pay worldwide with no foreign transaction fees
A virtual Mastercard debit card
1% annual gross interest rate* with Instant Savings
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
Up to 5 free ATM withdrawals in euros
Free ATM withdrawals abroad
Travel insurance
1.3% annual gross interest rate* with Instant Savings
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N26 Metal
The premium bank account with a metal card
€16.90/month
All benefits of N26 You, Plus
18-gram metal debit card
Up to 8 free ATM withdrawals in euros
Exclusive mobile phone insurance
2.5% annual gross interest rate* with Instant Savings
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 in minutes
Whether you're looking for a flexible, free online bank account or a premium account complete with insurance packages and smart budgeting tools, N26 has got you covered. There's no paperwork and no hassle — open your account from your phone in minutes.*Deposits into N26 Instant Savings account earn interest at an annual gross nominal rate of 2.5% with N26 Metal, 1.3% with N26 You, and 1% with N26 Smart and N26 Standard (as of 8.11.2024). These may be subject to change at any time by N26. Interest is taxable and subject to social security contributions. Reserved for non-Business customers of N26 Bank AG, Succursale France.
**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
***Investments in stocks and ETFs carry a risk of capital loss. N26 Stocks and ETFs is provided by N26 Bank AG in partnership with Upvest Securities GmbH. Learn more N26 Stocks and ETFs on this page.
****Investments in digital (crypto) assets carry a high risk of total or partial loss of capital due to the specific volatility of digital asset prices and cybersecurity risks. N26 Crypto is provided by N26 Bank AG in partnership with Bitpanda GmbH. Learn more about risks and N26 Crypto on this page.
N26 is the first 100% mobile bank to be granted and operate with a full German banking license from 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.
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 our customer's online payments is always guaranteed.
As a bank, N26 is supervised by the Federal Financial Supervisory Authority (BaFin). Our clients' 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 its users' bank accounts and data.
To open an N26 account, you must be over 18 years old and reside in France. You also need to have a compatible smartphone. You’ll be asked to provide a valid form of ID as well as valid proof of residence.
In order to open a bank account with N26, you must have a government-issued ID. 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. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.
The standard N26 bank account is free and doesn’t charge any 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.
From 29/06/2023, all N26 customers who open a bank account automatically get a RIB with a French IBAN, i.e. an IBAN beginning with the letters 'FR'.
To view your N26 IBAN in the N26 mobile app, head to the 'My Account' section via your initials in the top right corner of the 'Home' tab. From there, you can easily copy and paste your IBAN and share it. To download your N26 RIB, head to the N26 web app.
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