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 before your physical card arrives.
The standard N26 account: the essentials without fees*
Discover a bank account without monthly fees, and get a free Mastercard to use around the world. Enjoy zero exchange fees in all currencies, withdraw money and make transfers in the eurozone. It just takes a few minutes to get started and you don’t even have to have a minimum deposit amount to open your N26 account.
Read more*Up to €50,000 balance, after which a deposit fee may apply. Please find the Terms & Conditions for more information.
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 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.
Travel without borders and without fees
Use your Mastercard, wherever you are
Benefit from zero fees on all your payments made with your 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 withdrawal 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 19 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.
Automatic categorization of your expenses
Keen to learn how to manage your expenses and your budget better? Get an intelligent overview of how you use your money with Statistics. Your bank account automatically categorizes your expenses by category, and you can also customize this tracking by adding hashtags to your transactions.
Spaces: discover sub-accounts
Want to put money aside for projects, big or small? Your N26 bank account lets you open sub-accounts so you can save at your own pace. Customize the name of your sub-account, set a goal to reach, and start moving money over in an instant.
Spaces
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.
Compare Accounts
Open a new N26 bank account from your phone or computer in an easy, paperless signup process.
