Hand holding an N26 Mastercard against a light green background.

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.

N26 Bank Account Standard free see-through Mastercard Debit.

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.

Apple Pay Security - Icon - N26 Apple Pay.

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.

Deposit Protection - Icon - N26 Savings.

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.

N26 Bank Account Moneybeam example transaction.
Transaction List - Icon - N26 App.

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.

Transaction Tagging - Icon - N26 App.

#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.

N26 Bank Account Transferwise example transaction.

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.

N26 Bank Account categorising transactions for statistics.

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.

Download Bank Account Balance - Icon - N26 Bank Account.

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
N26 Bank Account Customer Service Chat in App.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Compare Accounts

Open a new N26 bank account from your phone or computer in an easy, paperless signup process.

Frequently asked questions