The bank you’ll love

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

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
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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 three free domestic ATM withdrawals per month.

Get N26 Standard
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Simply secure

Our innovative security features keep your money and data simply secure.

Security at N26
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24/7 mobile banking

Enjoy a fully transparent bank account that's made for travelling, with 24/7 support when you need it.

Visit our Support Center
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Send and receive money

Pay friends and make quick, simple transfers within the eurozone.

Learn More

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
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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 200 cryptocurrencies to pick from****.
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N26 accounts — your money deserves an upgrade

N26 Standard

The free account for your everyday banking needs

Transparent N26 Standard card.
Virtual Card


  • Up to 3 free ATM withdrawals in euros

  • Pay worldwide with no foreign transaction fees

  • A virtual Mastercard debit card

  • 2.26% annual gross interest rate* with Instant Savings

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.


All benefits of N26 Standard, Plus
  • Up to 10 Spaces sub-accounts

  • Customer support hotline

  • A virtual and a physical card

  • 2.8% annual gross interest rate* with Instant Savings

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.


  • Up to 5 free ATM withdrawals in euros

  • Free ATM withdrawals abroad

  • Travel insurance

  • 2.8% annual gross interest rate* with Instant Savings


N26 Metal

The premium bank account with a metal card

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


All benefits of N26 You, Plus
  • 18-gram metal debit card

  • Up to 8 free ATM withdrawals in euros

  • Exclusive mobile phone insurance

  • 4% 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.
N26 You card, Wheat.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.

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 at N26 Instant Savings earn interest at an annual gross nominal rate of 4% with N26 Metal, 2,8% with N26 Smart and N26, You and 2.26% with N26 Standard, which 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. Stocks and ETF is currently only available to N26 account holders with a French IBAN (customers in a business relationship with N26 Bank AG, Succursale France). 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.

  • Is N26 a bank?
  • Is N26 secure?
  • How is N26 protecting my money and personal data?
  • How do I open an N26 account?
  • What documents do I need to open a bank account?
  • How much does it cost to open a bank account?
  • How long does it take to open a bank account with N26?
  • How do I get a French IBAN with my N26 account?
  • Where can I find my French IBAN and my RIB?