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.

N26 banking app showing a virtual mastercard on a light green background with Forbes best bank logo.
Virtual card.

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

Your free, secure bank account—accessible 24/7

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.

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 Spaces sub-accounts

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.

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.
A hand holding a credit card.

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

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.

N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

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 just 8 minutes.

Frequently asked questions

What is the N26 Bank?

N26 is a fully licensed European bank. Founded in 2015, it is active in 25 markets and currently has over 7 million customers, with more than 1.8 million residing in France. We offer free* bank accounts as well as premium accounts for individuals, freelancers, and the self-employed.

*We may charge a 0.5% deposit fee on accounts with balances over €50,000.

How does N26 ensure my bank account is secure?

N26 meets all German and European banking regulations. All funds within N26 bank accounts are protected up to €100,000, per the guidelines of the German Deposit Protection Fund. On top of this, the N26 app includes additional security features like Mastercard 3D Secure and biometric identity verification to prevent unauthorized access to your account.

How do I open a free* N26 Standard bank account?

To open a free N26 bank account or any premium account, you must meet the eligibility criteria. Once you have checked that you are eligible, grab a valid photo ID and register on our website or download the app and register on your smartphone.

Opening an N26 bank account takes just 8 minutes and doesn’t require any paperwork. Once your identity is verified, your bank account and virtual N26 Mastercard will be ready to use.

What do I need to open a free* N26 Standard bank account?

To open your free N26 bank account or any other N26 account, you must:

  • Be at least 18 years old.
  • Live in a country where we offer our services.
  • Have a compatible smartphone.
  • Not have an existing N26 bank account.
  • Have a valid ID for your country of residence which is accepted by our services. Click here for more information on opening a bank account with N26.

What are the perks of a free* N26 Standard bank account?

The N26 Standard bank account doesn’t require a minimum deposit and has no set-up or recurring monthly fees. It is completely mobile, meaning you can access your bank account 24/7, wherever you are—either from the N26 app on your smartphone or the N26 WebApp on your desktop. You’ll also get a free virtual N26 Mastercard directly on your smartphone. Link it to Apple Pay or Google Pay to make in-store, online, and in-app payments. You’ll also get up to 3 free withdrawals per month at any NFC-equipped ATM. If you need a physical card to make withdrawals, you can order one for a €10 delivery fee.

Plus, see all your monthly spending at a glance with Insights, the feature that breaks down and categorizes your spending and presents it in an easy-to-read overview. Learn exactly where your money is going, and find a better way to easily optimize your budget for the future.

What does an N26 Standard bank account cost?

The standard N26 bank account has no set-up or monthly fees. Deposits over €50,000 are subject to invoicing. Please read our terms and conditions for more information.

What are the advantages of Mastercard Travel Rewards?

The Mastercard Travel Rewards program gives you access to hundreds of cashback offers from top brands while traveling abroad. With cashback offers across arts and culture, shopping, hotels, culinary experiences, entertainment, and more, you can treat yourself year-round and save on your holidays abroad. To take advantage of Mastercard Travel Rewards, all you have to do is pay at participating stores with your N26 Mastercard.