The free bank account that makes life easy
Not a fan of waiting times, hidden fees, or paperwork? Us too. Get a bank account with a virtual card and 24/7 support — and manage your money on the go.Open N26 Standard Account
N26 Smart—save and spend with confidence
Discover N26 Smart, the bank account that gives you more control over your money—with a direct customer service hotline if you ever need support. Choose a Mastercard in your choice of 5 colors and organize your finances with 10 Spaces sub-accounts—including Shared Spaces to save together with others. Plus, get insights on your spending habits with Statistics, and learn to budget better along the way.
Real-time push notifications keep you up-to-date with everything that’s happening on your account. Track payments, incoming and outgoing transfers and standing orders—with N26, get an instant notification after every transaction and see where your money goes.
Travel without borders and without fees
Use your Mastercard, wherever you are
Benefit from zero fees on all your payments made with your virtual Mastercard debit card, even when you’re abroad.
Pack your bags, and take off
There’s no need to warn us. Lock and unlock your card, activate or deactivate payments abroad from your phone, and set your payments limits on-the-go.
Enjoy the best exchange rate
N26 applies the real exchange rate Mastercard on your foreign currency transactions, without markup. Our partner TransferWise also allows you to make international transfers in 38 currencies from your app, with fees that are x 6 times lower.
Our premium accounts get you covered
If you choose N26 You or N26 Metal, you’ll benefit from travel and lifestyle insurance to cover you daily needs, courtesy of Allianz.
Get Insights into your spending habits
Not sure where all your money's going? Our Insights feature automatically categorizes your spending in real time. Track regular expenses, keep a pulse on your costs, and spot opportunities for savings. Everyday budgeting has never been easier.Learn about budgeting
Save money with Spaces
Create up to 10 customized sub-accounts to organize your budget and save money for future plans. Whether it’s for your “Holidays” or a “New computer,” make your sub-accounts work for you.
Use Rules to automatically move money over to your spaces, at whichever frequency you choose. And with Round-Ups, round up your purchases to the next euro, and set the difference aside immediately.Manage Spaces sub-accounts
Everyday banking with a French IBAN
Receive your salary and manage all your payments—right within your N26 app. New N26 customers now get French bank details (known as a RIB) to use for all your transactions, including incoming transfers, direct debits, and standing orders.
Security is our priority
N26 uses 3D Secure technology to secure your online payments. When necessary, you can confirm your transactions from the phone paired with your account.
Full control of your account
Mobile banking allows you to control all the parameters of your account. Lock and unlock your card, activate and deactivate payments online or abroad, manage your payment limits or change your PIN in real-time.
Our banking license
N26 is a fully-regulated bank that holds a full German banking license and is controlled by the German banking regulator.
Your funds are insured
Your money is safe with us, thanks to deposit protection of up to €100,000 by the German Deposit Protection Fund.
Make payments the easy way with Apple Pay
Tired of carrying your wallet around? We get it—which is why you can link your N26 Mastercard to Apple Pay for effortless payments right from your smartphone. Apple Pay lets you make secure, contactless payments online, in stores, or even in-app. Each transaction is verified by touch or face ID, and takes place in real-time. It’s the simple, safe, 100% mobile way to pay.Try Apple Pay
We’re here for you. In several languages.
If you have any questions or run into any problems, our Customer Service team will be on hand to help you in English, French, German, Spanish and Italian.
Choose the perfect plan for you
Whether you’re looking for a flexible, free bank account or a more premium plan complete with extensive insurance and smart management tools, N26 offers a bank account for every lifestyle. Open yours from your smartphone in just 8 minutes.