N26 Smart

The bank account that helps you manage your money

Discover the premium bank account with intuitive features that gives you control over your money, for just €4.90 per month. Manage your account in real-time—from your smartphone.
Open N26 Smart account
Image of a mobile phone showing a subaccount on the screen and a black debit card in the side.

Your N26 card in color

Pick a Mastercard debit card in your choice of color—Ocean, Rhubarb, Sand, Aqua or Slate. Benefit from 5 free monthly withdrawals in the Eurozone, and enjoy free payments in foreign currencies. Your N26 card is also compatible with contactless and mobile payments, which you can use even before receiving your physical card in the mail.
Discover your Mastercard
hand holding a N26 debit card with the words "Spend" and "Save" in the background.

Start earning interest

No deposit limits**, no time limit, your interest paid every month, and full flexibility. Discover N26 Instant Savings, an interest-bearing deposit account available at no extra cost in the N26 app.N26 Smart customers get 1%* annual gross nominal rate on their savings. Prefer 3%*? Choose N26 Metal.
Discover Instant Savings
The image shown an interest rate of 1% with a woman in the background.

Saving made simple with Spaces sub-accounts

Wondering how to save money? Create up to 10 Spaces—separate sub-accounts that help you save up for your dream purchases and personal projects. Simply set up a space, name it, create a goal and a date—that’s it! Rounds-Up will also allow you to round-up your card purchases to the nearest euro, and transfer the difference automatically into a space.
image of two N26 subaccount showing the "main account" and "Back to college" spaces to budget money.

Master your spending with Insights

Ready for a simple and quick view of your finances? Meet N26 Insights, the intelligent feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on ‘Shopping,’ ‘Bars & Restaurants,’ ‘Groceries,’ and more—all it takes is a quick glance to stay on track with your monthly budget. Plus, with a clear overview of your upcoming regular payments, it’s never been easier to plan ahead and stay on top of your finances.
Learn about budgeting

Treat yourself to partner offer

The N26 Smart is a premium bank account that also allows you to indulge in a few perks along the way. Take advantage of ever-changing offers and deals from our partner brands—these are constantly evolving, and are accessible directly from the N26 app
View partner offers
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A beautifully-designed, intuitive experience

Why shouldn’t your bank's app be as beautiful as the other ones you already use? With a clean design and intuitive money management features, N26 is revamping your banking experience—without the hidden costs, or mountains of paperwork. Manage everything from your phone, but also from the desktop WebApp.
image showing four images of N26 features.

Your security takes top priority

3D Secure

Any online purchases made with your Mastercard are protected by 3D Secure technology—an additional authentication step.

Push notifications

Receive instant notifications for each transaction, so you always know what is happening to your account.

Biometric identification

Log in to your account with FaceID or fingerprint identification for that added security.

Deposit protection

As a bank with a European banking license, your money is protected up to €100,000 by the German Deposit Protection Fund.

Our Customer Support is here for you

Need help, or just have a question? Our customer service specialists are there to answer your needs. Visit our Support Center—packed with frequently asked questions and articles to help you—or contact us via the live chat in your app. Alternatively, call us on our telephone hotline, and speak to a real human.
Visit our Support Center
N26 You card, Teal.
N26 You card, Ash.
N26 You card, Rhubarb.
N26 You card, Wheat.
N26 You card, Petrol.

Manage your budget with N26 Smart

Open your premium account for just €4.90/month (with a one-year membership) in minutes, and take back control of your money.
Open bank account

FAQ

  • What is a bank account ?
  • What is the right to the account?
  • What is the Account Agreement?
  • What are the conditions for opening an N26 Smart account?
  • How do I open my N26 Smart account?
  • What are the benefits of an N26 Smart account?
  • What can I use Spaces sub-accounts for?
  • How much does the N26 Smart account cost?
  • What are the advantages of Mastercard Travel Rewards?

*Deposits into N26 Instant Savings account earn interest at an annual gross nominal rate of 3% with N26 Metal, 1.3% with N26 You, and 1% with N26 Smart and N26 Standard (as of 1.8.2024). These may be subject to change at any time by N26. Interest is taxable and subject to social security contributions. Reserved for non-Business customers of N26 Bank AG, Succursale France. **The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. ***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. Stocks and ETF is currently only available to N26 account holders with a French IBAN (customers in a business relationship with N26 Bank AG, Succursale France). Learn more N26 Stocks and ETFs on this page.