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

Real-time Notifications - Icon - N26 App

Receive push-notifications with your account activity

Stay up to date. Get a push notification immediately after all account activity, including card and mobile payments, ATM withdrawals, direct debits and transfers.

PIN Code - Icon - N26 App

Lost your N26 Mastercard? Lock it straight away.

Ever lost a bank card and found it again the moment you cancel it? With N26 you can easily lock your card inside the app, reorder it if need be at the tap of a button, or simply unlock again.

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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.

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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.

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No minimum deposit needed

You don’t have to deposit a certain amount or meet earning threshold requirements, so you can open an account even if you’re just starting out.

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#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.

Automatic categorization of your spending

Not sure where all your money goes? Your account uses artificial intelligence to automatically categorize your spending and shows you in the app.

N26 Bank Account categorising transactions for statistics
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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.

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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
N26 Bank Account Customer Service Chat in App

Frequently asked questions

Is N26 a real bank?

Launched in 2015, N26 is a bank operating with a full European banking license. We currently reach 25 European markets and have over 3.5 million customers, including 800,000 in France.

Is N26 secure?

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.

What are the benefits of a N26 bank account?

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.

How much does it cost to open a N26 bank account?

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.

How to open an N26 bank account?

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.