An everyday free bank account from N26
The N26 standard account comes with everything you need to spend, save and keep track of your money, all under one app.
An account with Mastercard as standard
Each N26 bank account comes with a free Mastercard debit card, accepted worldwide. Use the app to set daily spending limits, lock or unlock your card and reset your PIN anywhere in the world, 24/7.
Secure online banking features
Push-notifications in real-time
With real-time push-notifications after every transaction—whether you're paying in store or online, receiving your salary, or withdrawing money from the ATM—you'll always have an overview of your financial movement.
Full control of your card
You can easily adjust the security settings of your N26 account directly in the app. Lock your card if you lose it (and unlock if you find it), change your PIN and allow foreign payments when you're abroad.
Choose your own PIN & Password
The best way not to forget a PIN code? To choose it. It is very easy with N26 as you can do it in the app.
German deposit security scheme
N26 has a German banking licence. It means your deposits are guaranteed by the German deposit security scheme. Your data is also protected.
Headache-free instant payments
After signing up, instantly top up through a debit card to get money into your account. Make bank transfers for free using N26 MoneyBeam in real-time – send, receive or request money from your contacts listed in the N26 app, or to new ones with just an email or phone number.
Need to get funds into your account straight away? Avoid the worry, and receive incoming payments with SEPA Instant Credit Transfer in seconds.
No minimum deposit needed
You don’t have to deposit a certain amount or meet earning threshold requirements, so you can open a free business account even if you’re just starting out.
#Tag your transactions
#weekend, #friends, #gift — Create your own personal #tags to organize your account transactions list better and see the total amounts for each label.
Make international money transfers with TransferWise
Send money in 19 different currencies using the Transferwise feature built inside the N26 app and save up to 6 x more than you might with traditional banks.
Track your expenses with Statistics
Your salary comes in, you pay for your coffee with card (or your mobile phone) and transfer money to friends—your free bank account tracks and recognizes your transactions. Thanks to automatic spending categorization, always receive an up-to-date overview of your current expenses.
With #tags, you can further personalize the system. And when you go to file your tax return, simply export your transaction history as a CSV file via the WebApp.
Banking on the big screen
First, sign up to N26 using the mobile app. Then, you can use the web application to view your account from a desktop or other device.
Get your RIB
When you join N26, you can download your RIB straight from the Web App.
We are here for you—in 5 languages
Our N26 Support team is available for you in 5 languages via email or chat. Whenever you have a question or encounter a problem, they’re always on-hand to help.
Visit Help Center
Compare Accounts
Open a new N26 bank account from your phone or computer in an easy, paperless signup process.
Frequently asked questions
N26 is the Mobile Bank. We operate with a full European banking license, and offer a free standard account, N26 You and Metal premium accounts, as well as business accounts for freelancers and self-employed. Our customers can manage all their banking transactions simply, easily and securely via a smartphone, and receive a Mastercard debit for free.
N26 operates with a full European banking license, which protects your N26 account up to €100,000, under EU law directives. With 3D Secure, Mastercard Identity Check and fingerprint and face recognition, the security of your online payments is always guaranteed.
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.
With our standard account you will receive a free checking account—without having to pay anything. An N26 You bank account costs €9.90 per month, and the N26 Metal account costs €16.90 per month. If you opt for a N26 premium account, you commit to at least 12 months.
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.