N26 Smart — the clever everyday bank account
This plan has intelligent features that give you more control of your spending, saving, and budgeting.
The power is in your hands
Here’s an at-a-glance look at the pro tools you get with Smart.
Every cent in its Space
Stay organized with up to 10 Spaces sub-accounts. They’re great for dividing your money to save for specific goals, or setting aside funds for expenses.
Discover N26 Spaces
Investing made simple
Invest in stocks and ETFs wth no commission and buy crypto** right in your N26 app.*** Want to build your portfolio faster? Upgrade to N26 You or Metal to get lower fees for crypto.
Discover investing
Plastic or pixels — why not both?
Paying is easy, whichever card you use. You get a free physical Mastercard debit card with N26 Smart, in addition to a free virtual card you can add to your digital wallet immediately.
Show me virtual cards
*The interest rates vary based on your membership. Interest rates per membership are variable and subject to change any time. Learn more here. Interest is taxable and subject to social security contributions. Reserved for non-Business customers of N26 Bank AG, Succursale France.
** Investments in digital (crypto) assets carry a high risk of total or partial loss of capital due to the specific volatility of digital asset prices and cybersecurity risks. N26 Crypto is provided by N26 Bank AG in partnership with Bitpanda GmbH. Learn more about risks and N26 Crypto on this page.
*** Investments in stocks and ETFs carry a risk of capital loss. N26 Stocks and ETFs is provided by N26 Bank AG in partnership with Upvest Securities GmbH. Learn more N26 Stocks and ETFs on this page.
- You’re at least 18 years old
- You’re a resident of one of the supported countries
- You have a compatible smartphone
- You don’t have an account with N26 yet
- You have a supported ID document on hand, which is valid in your country of residence
- You’re able to verify yourself in one of our supported languages: English, German, Spanish, Italian, or French
Simply open your N26 Smart bank account via the N26 app on your smartphone or using the N26 web app on desktop. You must meet the following criteria:
To open your N26 Smart bank account, you must meet the eligibility criteria. If you do, you can simply register via the N26 web app on desktop or the N26 app on your smartphone. It takes just minutes to open a bank account, and there’s no paperwork involved. You may start using your account right away once your identity is verified.
For more information on how to open your N26 Smart account, and a list of your required documents, visit our Support Center.
You can open your online bank account with N26 in minutes from your phone or the N26 web app. There’s no paperwork or waiting times. But best of all: once your N26 bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
N26 Smart is a bank account that comes with a physical N26 Mastercard debit card, up to six virtual cards, and three free domestic ATM withdrawals per month. As an N26 Smart customer you’ll also have access to innovative banking features that make saving and managing your finances easier. Thanks to Insights, you’ll also always have a detailed overview of all your spending.
Budgeting and saving is simple with N26 Smart. Create up to 10 sub-accounts with Spaces. You can even link a virtual card to a Space to spend directly from it.
As with all N26 accounts, N26 Smart comes with a flexible Instant Savings account that lets you grow your money and access it when you need it. Interested in investing? Build your portfolio with crypto, stocks and ETFs right in your N26 app.
You can find the full details in the N26 Smart Terms and Conditions.
The N26 Smart bank account is a yearly subscription and costs €4.90 a month.
N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a Smart customer, create up to 10 Spaces sub-accounts in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund.
Try using Rules to automatically set your bill money aside to a Space. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account. You can also link a virtual or physical card to a Space to make payments directly from it.
Find out more about Spaces here.
You can only have one active deposit N26 account in your name. Currently, it’s not possible to have two N26 deposit accounts under the same name. This means that you can’t have a private N26 bank account and an N26 business account at the same time. However, once you open your N26 account, you can also get an interest-bearing account and a joint account.
Do you love your N26 online bank account so much that you want to invite friends to discover the benefits too? In France, you can invite others to N26 and receive a bonus if they open an account. Go to My account > Useful actions > Invite your friends in your N26 app to get your invite link and learn more. Share your link with anyone you want to introduce to N26, so they can use it to open their new bank account. Find more information on our website.
Looking for a bank account that includes a credit card? This isn’t something that we offer at the moment — our online bank accounts come with debit cards. With an N26 debit card, you can pay online, in apps, and in stores, as well as withdraw cash at ATMs throughout France. Link your N26 card to Apple Pay or Google Pay and easily pay with your phone. Just like a credit card, your Mastercard debit comes with a card number, CVC, and expiration date, but there are also a few differences. Learn more in our guide.
Our N26 Smart account includes a physical Mastercard debit card, available in your choice of five colors. Plus, you can also get a free virtual card with its own card number — for even more safety when you’re shopping online.
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