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.
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
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
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
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.
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
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.
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.