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 bank transfers
Make instant, real-time bank transfers for free using N26 MoneyBeam. Send, receive or request money from your contacts listed in the N26 app, or add contacts with just an email or phone number.
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’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.
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
Launched in 2015, N26 is a bank operating with a full European banking license. We currently reach 26 markets and have over 4.5 million customers.
As a bank, N26 is supervised by the Financial Markets Regulator and meets all European regulatory requirements. Our clients' funds are guaranteed up to €100,000 by the Deposit Protection Fund. In addition, the N26 app has many features to ensure the security of its users' bank accounts and data.
N26 is The Mobile Bank, allowing customers to 100% manage their bank account online and from their smartphone in real-time, whether they’re at home or travelling the world. There are zero exchange fees on card payments in any currency. N26 You and N26 Metal accounts also allow you to make withdrawals without foreign currency exchange fees and offer access to premium benefits – these include exclusive partner offers, as well as the Allianz insurance package.
The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. 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.
If you meet the eligibility criteria, you can open an account with N26. Simply register via the website or by downloading the N26 mobile app to your compatible phone. Opening an account only takes 8 minutes and is done without paperwork. Once you have verified your identity, your bank account will be ready to go.