The bank you’ll love

Discover mobile banking with N26, without paperwork and no hidden fees. Manage your money in real time from your smartphone, and start making mobile payments as soon as you open your bank account.

Open Bank Account

The standard N26 account: the essentials without fees

Discover convenient, 100% mobile banking from one intuitive app in your smartphone. Open your free bank account online in minutes, and get a free virtual Mastercard for all your payments. There’s no account maintenance fees, no minimum deposit amounts, and no foreign transaction fees—just beautifully simple, everyday banking that works.

Open your free bank 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.

Get bank account

Real-time banking

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.

N26 Bank Account real time notifications about payments.

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.

Insights on your spending habits

Not sure where all your money goes? Thanks to Statistics, your account uses artificial intelligence to automatically categorize your spending and shows you right in the app. Learn how to better manage your expenses, view all your transactions divided into smart sub-categories, and gain insights into your financial habits.

Learn about budgeting

The image shows the new N26 statistics feature divided by expenses and income.

Smartphone with the N26 Spaces open on it.

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

Security is our priority

3D Secure

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 European 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.

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.

N26 Bank Account Customer Service Chat in App.

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.

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