Join the Mobile Bank with over 8 million customers
- Contactless Mastercard
- No minimum income
- No minimum deposit
- No hidden fees
Why choose N26
Don’t get bogged down by old-fashioned banking, with its hidden fees and overly complicated transaction processes. The N26 app makes any transaction possible in just a few taps on your smartphone.
Plus, you’ll never get slapped with surprise charges, whether you’re online shopping from home or finally traveling abroad. Enjoy the latest savings and budgeting features, free ATM withdrawals, and plenty of built-in perks and rewards.
Everyday banking with a French IBAN
Open an N26 bank account with a French IBAN and discover a new and streamlined way of managing your finances.
- Pay for all of your subscriptions (streaming services, gym memberships...)
- Set up direct debits and other recurring bank transfers
- Receive your salary and social benefits by direct deposit
Customer service available 7 days a week
You can chat with our Customer service agents 7 days a week, from 7AM to 11PM, including on Sundays and on public holidays. Premium customers also get access to phone support.
You can also reach out to us on X, Facebook and Instagram, and check out our FAQs and our Support Center.
Travel the easy way with N26
From the beaches of Phuket to the Big Apple — and everywhere in between — N26 is the bank account that travels with you.
All our accounts feature free card payments worldwide, as often as you like and with no foreign transaction fees.
Custom settings
With N26, choose your PIN code and payment limits. Easily lock and unlock your virtual card, and authorize or cancel online payments.
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.
Your safety is top priority
N26 is a real bank with a full banking license. This means that your N26 account is always protected up to €100,000 by the German Deposit Protection Scheme.
We also believe in transparency. N26 has no hidden fees, and we send you push notifications for every incoming and outgoing transaction, so you always know what’s happening on your account.
What's next?
1. Register online
2. Verify your identity in a short videocall
3. Receive your N26 Mastercard
4. Enjoy your N26 account
Get a discount when you pay annually
Choose to pay for your N26 Smart, You or Metal account annually and you’ll save 20% — that’s a premium N26 account at much less of a premium.
N26 Standard
The free online bank account
- Apple Pay & Google Pay
- Free payments worldwide
- Up to 3 free ATM withdrawals per month
- *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.
N26 Smart
Save + spend with premium perks
- A physical and virtual card
- Up to 5 free ATM withdrawals per month
- 10 Spaces sub-accounts
- Phone support 7 days a week
N26 You
Travel with premium perks
- Unlimited free withdrawals in foreign currencies
- Insurance for delay and theft of luggage
- Medical emergency cover
- Emergencies when travelling
N26 Metal
Our most premium plan
- An 18-gram metal card
- Up to 8 free ATM withdrawals per month
- Purchase protection
- Priority customer hotline
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.