N26 Standard

Open a bank account, without a word of French

  • No monthly fees
  • Your finances in your language
  • Fast sign-up process in minutes
  • 100% app-based banking: no paperwork required


Your account at a glance

Forget paying for the basic stuff

With your virtual Mastercard, you can pay online, in apps and in stores with your digital Wallet. Without hidden fees.

Contactless made effortless

Your virtual N26 card allows you to pay online and to use mobile payments. Try it out and breeze past the checkout in stores.

Pay anywhere. Get charged nowhere

Pay using your Mastercard anywhere in the world—for free. We don’t charge foreign transaction fees. Whether it’s Mongolian tögrögs or Mexican pesos, it’s all the same to us.

Foreign currency transfers: in a few taps with Wise

Send money in 38 currencies with just a few taps with our partner Wise. Everything happens in-app without a piece of paperwork. Wise is up to ten times cheaper than sending money with normal banks.

Woman laying down looking at her mobile and holding a N26 card.

N26 Support speaks your language

Run into any problems, or just have a question? Whatever the issue or need, our Customer Service team is always on-hand to help you in English, French, German, Spanish and Italian.

Contact them via email, or connect via chat with an N26 expert right through your app.

Full control over your money

Ever lost a bank card and found it again right after canceling it? Your N26 bank account lets you easily lock your card in the app, reorder it with a tap of a button, or simply unlock again.

You also receive push-notifications immediately after all transactions, including card and mobile payments, ATM withdrawals, direct debits and transfers.

N26 You Instant Push Notification about payment to an airline with two flight tickets in the background.
  • 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.

N26 Metal - Charcoal Black.

N26 Metal: Make a statement

With the N26 Metal account, you enjoy exclusive benefits for everyday life and travel. Your payments and withdrawals in foreign currencies are free of charge and your travels are insured by a comprehensive insurance package by Allianz.

From the N26 application, you have access to a section dedicated to partner offers, designed to support you on a day-to-day basis.

+8 Million
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Discover a new banking experience

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 :

  • 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.