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Bank for free with no hidden fees

Open your account with no paperwork. Get a free virtual card and monthly ATM withdrawals*.
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Money made simple

Organize your money in 10 Spaces sub-accounts and add a dedicated IBAN or virtual card to pay directly from a Space. Included with our premium plans.
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Bank better together

Get a free joint account** with a dedicated IBAN and spending insights to simplify your shared finances.
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Security you can trust

As a fully-licensed German bank*** built on the latest technology, we use advanced security measures to keep your money safe.
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Get 24/7 support

Message our chatbot 24/7, or talk with Customer Support daily from 07:00–23:00 in English, German, French, Italian, or Spanish.
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Switch banks in minutes

Open your N26 account and move your recurring payments in just a few taps.
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*No account management fee for N26 Standard Account. For all other account plans, fees apply. See list of prices and services for current fees.

**Co-holders are jointly and severally liable for all actions and transactions performed on the Joint Account. Terms and conditions for N26 Joint Account apply.

***The money in your N26 bank accounts is protected up to €100,000 by the German Deposit Guarantee Scheme.

FAQ

  • Opening an N26 account is fast, digital, and hassle-free. All plans include zero hidden fees, real-time spending alerts, easy budgeting tools, and free ATM withdrawals in the Eurozone. Top-tier security keeps your money safe, and you can manage your banking, savings, and investments right from your phone.
  • N26 has a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. This includes all deposits held in different N26 accounts, such as the main account and Instant Savings. We use 3D Secure, Mastercard Identity Check, and fingerprint and face recognition to keep our customers’ online payments safe.
  • You can open an account online in minutes from your phone or the N26 App — no paperwork or waiting times. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
  • N26 Standard has no monthly fees and no fees for everyday transactions. Depending on your plan, you’ll get anywhere from 2 to 8 free monthly ATM withdrawals. Some plans have monthly costs and come with additional travel and insurance benefits.
  • Yes! All N26 cards let you withdraw money at foreign ATMs. All plans include free ATM withdrawals within the Eurozone. N26 Go and Metal also have unlimited free ATM withdrawals abroad in the local currency, while Standard and Smart users only have to pay a 1.7% conversion fee.