N26 Standard

The free bank account for everyday living

Discover the free bank account, giving you a better way to manage your money. Open your account from your smartphone in minutes—with no deposit or income conditions—and start managing your finances in real time.
Open Bank Account
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A virtual N26 Mastercard for all your payments

Your free N26 Standard bank account comes with a virtual N26 Mastercard—ready to use as soon as you’ve opened your account. Make all your in-store, online, and in-app purchases via your mobile wallet using Google Pay or Apple Pay. Plus, enjoy 3 free ATM withdrawals per month in the Eurozone. Prefer to carry a physical Mastercard in your pocket? Order a debit card for a €10 delivery fee at any time, directly from your N26 app.
Learn about Mastercard debit card
Virtual card.

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 Standard customers get 2.26%* annual gross nominal rate on their savings. Prefer 4%*? Choose N26 Metal.
Discover Instant Savings
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Stocks and ETFs the simple way

How about investing in your future without having to leave your banking app? With N26, you can buy stocks and ETFs right from your phone***. Get 15 free trades every month when you upgrade to N26 Metal — and 5 with N26 You. 
Discover Stocks and ETFs
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Your free, secure bank account—accessible 24/7

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Instant push notifications

Track your account activity. Receive real-time push notifications for every transaction, including card payments, withdrawals, transfers, and more.

Custom settings

With N26, choose your PIN code and payment limits. Easily lock and unlock your virtual card, and authorize or cancel online payments.

3D Secure

Your online purchases are automatically protected by Mastercard 3D Secure (3DS), an advanced 2-factor authentication step.

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Deposit protection

N26 has a banking license and complies with European regulations. This means we keep your data confidential and protect your deposits up to €100,000.

Save money with Spaces

Create up to 10 customized sub-accounts to organize your budget and save money for future plans. Whether it’s for your “Holidays” or a “New computer,” make your sub-accounts work for you.Use Rules to automatically move money over to your spaces, at whichever frequency you choose. And with Round-Ups, round up your purchases to the next euro, and set the difference aside immediately.
Manage your money with Spaces

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. 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.
Get bank account
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Mobile or desktop

Manage your N26 account 24/7 from the mobile app or the N26 WebApp, using your browser of choice. Download your transaction history in CSV or PDF format along with your monthly bank statements whenever you want

Deposit fee

Up to €50,000 balance, no deposit fee applies. Please find more information in the Terms & Conditions.

Send money in real time with MoneyBeam

Paying back a friend? Splitting the check? Use MoneyBeam to make easy transfers between other N26 customers instantly. All you need is the phone number of the person you’d like to send money to.
Instant payment.

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
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Customer Support in 5 languages

Have a question? Contact our Customer Support experts 24/7 in English, French, Spanish, Italian, or German. Contact us via the in-app chat function or find answers to FAQs in the Customer Support Center.
Visit our Support Center
N26 You card, Wheat.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.

Choose the perfect plan for you

Whether you’re looking for a flexible, free bank account or a more premium plan complete with extensive insurance and smart management tools, N26 offers a bank account for every lifestyle. Open yours from your smartphone in minutes.
Open Bank Account

Frequently asked questions

  • What is the N26 Bank?
  • How does N26 ensure my bank account is secure?
  • How do I open a free N26 Standard bank account?
  • What do I need to open a free N26 Standard bank account?
  • What are the perks of a free N26 Standard bank account?
  • What does an N26 Standard bank account cost?
  • What are the advantages of Mastercard Travel Rewards?

*Deposits at N26 Instant Savings earn interest at an annual gross nominal rate of 4% with N26 Metal, 2.8% with N26 Smart and N26 You and 2.26% with N26 Standard, which 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.