The simplest way to bank
Join the Mobile Bank with over 7 million customers
✓ Mastercard debit card✓ No minimum income✓ No minimum deposit✓ No hidden fees
Keep an eye on your money habits
Staying on top of your finances is easy when you can track your spending in real-time. However you choose to spend your money, our instant push-notifications and budgeting features help you stay on track of your money goals.
Spend freely, but not mindlessly!
Free card payments worldwide
Pay with your free N26 Mastercard worldwide without any fees. You'll get Mastercard's best exchange rate and pay as if you've never left home.
Banking made simple
Forget paying for the basic stuff
With your virtual Mastercard, you can do all your payments online, in apps and in stores via your digital wallet. And we’ll always offer a feeless checking account that does what you need.
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... All in real time.
Real-time notifications
Stay up to date. Get a push notification immediately after all account activity, including card payments, direct debits, and transfers.
Contactless made effortless
Your virtual N26 card allows you to use contactless payments, but also mobile payments. Try it out and breeze past the checkout in stores.
Your dreams are big. They need some space.
N26 Spaces lets you create sub-accounts for all your goals and keep them all together under one login.
With N26 Smart, you can create up to 10 sub-accounts for putting money aside. Save more easily and take more control over your spending. All in your own way.
Sign up
Hit the button below and enter your personal details in order to create your account.
Verify your identity
Please have a valid ID at hand. We don't have branches so you can verify your identity within the app.
Add your card to your wallet
Your N26 virtual debit card is ready to use.
Enjoy your N26 account!
You're good to go! You can already top up your account and start using your virtual card.
Frequently asked questions
What do I need to open a free bank account with N26?
You must meet the following requirements to open an N26 Standard free bank account:
- Be over the age of 18
- Live in an eligible country
- Have your own smartphone
- Not yet have an online account with N26
- Have a valid ID
Is N26 secure?
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.
What are the benefits of using the free checking account?
The free bank account lets you manage all your finances under one app, whether at home or traveling. In addition, we don’t charge you any hidden fees when withdrawing money from an ATM, or when making payments in foreign currencies. Alongside getting instant push-notifications after every transaction, benefit from Spaces sub-accounts for better saving, automatic spending categorization with Statistics, and the ability to make and receive immediate funds from other N26 customers with MoneyBeam.
With N26 You and N26 Metal you can also withdraw money at no fees worldwide, and enjoy exclusive benefits such as discounts. On top of this, premium accounts come with an extensive package of travel and lifestyle insurance, courtesy of Allianz.
How much does it cost to open an N26 bank account?
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, with a 12-month commitment period. To open an N26 account, no deposit or minimum income is required.
How to open an N26 bank account?
If you meet all the requirements, you can open your checking account with N26 for free and within minutes. All you need is a smartphone and your photo ID. It's easy with our digital authentication process. Download our app to open an account—you don’t even need a minimum deposit amount.