N26 - 200,000 Belgian people have already preceded you
The bank account for expats in Belgium
✓ No monthly fees✓ Free payments in any currency✓ Fast sign-up process in minute✓ App & Customer Service in 5 languages✓ 100% app-based banking: no paperwork required
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.
Contactless made effortless
You can use Apple Pay with your iOS device, and Google Pay with your Android. All set so you can enjoy mobile payments everywhere.
Real-time notifications
Stay up to date. Get a push notification immediately after all account activity, including card payments, direct debits, and transfers.
Full control over your card
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.
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.
Discover Spaces
Join the banking revolution taking over Belgium
2 million Belgian people have joined N26—the leading independent digital bank from Germany—to better manage their money. Why?
✓ Break free from the chains of traditional banks✓ Transparent, modern, 100% mobile banking✓ No hidden fees, no paperwork✓ Join 7M+ customers across 26 countries worldwide
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.
Our banking license
N26 is a fully-regulated bank that holds a European banking license and is controlled by the German banking regulator.
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.
Mobile or desktop
Manage your N26 account 24/7 from the mobile app or the N26 WebApp, using your browser of choice. Download your transaction history in CSV or PDF format along with your monthly bank statements whenever you want
3D Secure
Your online purchases are automatically protected by Mastercard 3D Secure (3DS), an advanced 2-factor authentication step.
What's next?
Open your bank account in minutes and start using your virtual card instantly
1. Sign up
Hit the button above and enter your personal details in order to create your account.
2. Verify your identity
Please have a valid ID at hand. We don't have branches so you can verify your identity within the app.
3. Add your card to your wallet
Your N26 virtual debit card is ready to use.
4. 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.