N26 Standard

A free* bank account—100% mobile and flexible

The standard N26 account is a checking account at no extra cost. Manage your account with your smartphone in real time, and start using mobile payments before receiving your card to experience digital banking at its best.

Standard N26 card on top of a brick.

*Up to €50,000 balance, after which a deposit fee may apply. Please find the Terms & Conditions for more information.

N26 Smart—spend and save with confidence

Want to get even smarter about your spending and saving? Go premium with N26 Smart and create 10 Spaces sub-accounts, including Shared Spaces to save together with others. Plus, pick a Mastercard in your choice of color, get even more free ATM withdrawals each month, and call us via a direct hotline if you ever need support.

Smartphone and an N26 card.

Your bank account with N26

N26 offers a free online bank account that you can open from your smartphone in minutes. Benefit from free withdrawals in euros, and free payments in all currencies—wherever you are in the world. Smart features like automatic categorization of your spending and real-time push notification help you keep track of your finances. Get a transparent Mastercard with all these benefits at zero cost.

Receive your N26 bank card free of charge

At N26, your bank card is transparent. Open your account and receive your N26 Mastercard. Guaranteed without hidden costs, it is accepted worldwide and allows you to make contactless payments or with your mobile thanks to Apple Pay and Google Pay! With it, make your daily payments and no longer pay commissions on your payments in foreign currencies when you leave the euro zone.

A transparent N26 Standard card.
Smartphone with the N26 Spaces open on it.

Save with Spaces and reach your goals

Spaces is a N26 feature that lets you create your own sub-accounts to better organize your finances and save money. Create a space with just a few clicks, set a savings target and follow your progress.

And soon, you’ll be able to pool money together with other N26 users with Shared Spaces. We’ll let you know when this feature is available.


Jump into the future with N26 Metal

Discover a premium banking experience, with an elegant metal card, an extensive insurance package, special partner offers, and so much more.

Upgrade to N26 Metal
A hand holding a credit card.

Withdraw cash worldwide

Your N26 bank card follows you on a daily basis, and also abroad. Your N26 card allows you to withdraw 3 to 5 times free of charge* in the euro zone each month. Are you going on a trip? N26 applies the real Mastercard exchange rate and a commission of only 1.7% on the amount of your withdrawal in foreign currency.

Headache-free instant payments and transfers

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.

Your international bank transfers in over 38 different currencies

How to make a bank transfer in foreign currency? Thanks to our partner TransferWise! With N26, make your international transfers directly from your application and at an economical rate.

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—no paperwork needed. Lock your card if you lose it (and unlock if you find it), change your PIN and allow foreign payments when you're abroad. With N26 online banking becomes hassle-free.

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.

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.

Track your expenses with Statistics

Wondering how to better manage your money? N26 automatically categorizes your expenses. This allows you to understand where you spend your money. You can even use #hashtags for your transactions: #weekend, #sushi, #newyork ... Do you need to see your transactions history? By scrolling through the list of your transactions, you can see the evolution of your bank account balance and thus see how you manage your budget over the month.

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.

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.

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

Is N26 a real bank?

N26 is the Mobile Bank. We operate with a full European banking license, and offer a free standard account, N26 You and Metal premium accounts, as well as business accounts for freelancers and self-employed. Our customers can manage all their banking transactions simply, easily and securely via a smartphone, and receive a Mastercard debit for free.

Is N26 secure?

N26 operates with a full European banking license, which protects your N26 account up to €100,000, under EU law directives. With 3D Secure, Mastercard Identity Check and fingerprint and face recognition, the security of your online payments is always guaranteed.

What are the benefits of using the free checking account?

The free bank account lets you manage all your finances under one app, whether at home or traveling. In addition, we don’t charge you any hidden fees when withdrawing money from an ATM, or when making payments in foreign currencies. Alongside getting instant push-notifications after every transaction, benefit from Spaces sub-accounts for better saving, automatic spending categorization with Statistics, and the ability to make and receive immediate funds from other N26 customers with MoneyBeam.

With N26 You and N26 Metal you can also withdraw money at no fees worldwide, and enjoy exclusive benefits such as discounts. On top of this, premium accounts come with an extensive package of travel and lifestyle insurance, courtesy of Allianz.

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

With our standard account you will receive a free checking account—without having to pay anything. An N26 You bank account costs €9.90 per month, and the N26 Metal account costs €16.90 per month. If you opt for a N26 premium account, you commit to at least 12 months. You don’t need a steady income or a minimum deposit to open an account.

Up to €50,000 balance, after which a custody fee may apply.Please find the Terms & Conditions here.

How to open an N26 bank account?

If you meet all the requirements, you can open your checking account with N26 for free and within minutes. All you need is a smartphone and your photo ID. It's easy with our digital authentication process. Download our app to open an account—you don’t even need a minimum deposit amount.