Manage your account from your phone in real time
Need to view your account balance or make a new transfer on-the-go? Fed up with hidden fees? It's time to discover N26! Open your bank account in a few minutes, and take back control over your money—in real-time. And the best part of it all? N26 premium accounts are available from just €9.99/month."
Real-time banking
Real-time push notifications keep you up-to-date with everything that’s happening on your account. Track payments, incoming and outgoing transfers and standing orders—with N26, get an instant notification after every transaction and see where your money goes.
Take control of your finances. With just one app.
Manage everything directly in the N26 app—set payment limits, lock your card, and send money to friends. All from your phone.
Automatic categorization of your expenses
Keen to learn how to manage your expenses and your budget better? Get an intelligent overview of how you use your money with Statistics. Your bank account automatically categorizes your expenses by category, and you can also customize this tracking by adding hashtags to your transactions.
Open Bank Account
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
Go further with a premium account
Take your banking experience to the next level with N26 You or Metal. Discover a premium bank account that offers free ATM withdrawals worldwide, and enjoy extra peace of mind at home and on the move—all thanks to an extensive insurance package. Explore a wider range of N26 Perks, tapping into lifestyle deals that support you in your everyday life. And create up to 10 Spaces sub-accounts that you can share with other N26 users—the easiest way to budget and save up together.
Your funds are guaranteed up to €100,000
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.
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.
What's next?
Open your account now and start using your virtual card instantly.
1. Sign up
Hit the button below and enter your personal details in order to create your account.
2. Download the app, verify your identity
Download and log in to the N26 app, so we can verify your identity. Have a valid ID ready.
3. Set up your virtual card
Once verified, your virtual N26 debit Mastercard is ready to use. Add it to your digital wallet like Apple Pay or Google Pay.
4. Enjoy your N26 account!
You're good to go! You can top up your account and start making transfers.
+ 3 millions
de clients en France
~ 1.800M $
Investis
+ 2 milliards €
de transactions mensuelles
2013
Création
Frequently asked questions
- Be over the age of 18
- Live in an eligible country
- Have your own smartphone
- Not yet have an online account with N26
- Have a valid ID
You must meet the following requirements to open an N26 Standard free bank account:
N26 has been granted 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. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customer's online payments is always guaranteed.
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.
The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, 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.
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.