How do I open a bank account?

To open a bank account with N26, all you need is a smartphone and your ID handy. Next, download the N26 mobile app or log into the website on your computer and follow the on-screen instructions. We will then make a call to verify your identity. When everything is in order, your bank account is immediately operational.

How long does it take to open a bank account?

Opening a bank account with N26 takes minutes. During this time, we will ask you for some basic information and verify your identity.

How much does it cost to open a bank account?

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 {{pan-you-al}} 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.

What do I need to open a bank account?

In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved—just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.

How old do you have to be to open an N26 bank account?

You’ll need to be at least 18 years old to open a bank account with N26

Can I open a bank account online?

Opening a bank account online with N26 is simple. Just head to your app store and download the N26 app. Then, create your account and choose between an N26 Standard, Smart, You, or Metal plan. After that, you’ll need to verify your identity during a brief call with us. Once that’s done, pair your account with your smartphone and start spending and saving the N26 way!

What documents do I need to open a bank account?

In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved—just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.

Open a bank account online in minutes

Ready for a bank account you’ll actually love? Then you’re ready for N26. Transfer, receive, and manage your money right in your N26 app. Open your dream bank account in minutes—directly from your smartphone. No paperwork, stress, or waiting times. Just intuitive, easy mobile banking that works.

Open bank account

Image showing a person with an N26 debit card and the N26 app displaying the account feed with the list of transactions.

Sign up

Hit the button below and enter your personal details in order to create your account.

Verify your identity

Please have a valid ID at hand. We don't have branches so you can verify your identity within the app.

Add your card to your wallet

Your N26 virtual debit card is ready to use.

Enjoy your N26 account!

You're good to go! You can already top up your account and start using your virtual card.

All in one app

N26 combines everyday banking and investing in a seamless way. That means you can manage your stocks, ETFs, and crypto portfolios without having to download another investment app. With N26, all the tools you need to build your financial wealth are in one place. 

A woman sits on a park bench holding her dog and phone, with overlaid cards showing savings, stocks, and crypto accounts.

What makes banking with a French IBAN better?

Open an N26 bank account with a French IBAN and discover a new and streamlined way of managing your finances.

Pay for all of your subscriptions (streaming services, gym memberships...)
Set up direct debits and other recurring bank transfers
Receive your salary and social benefits by direct deposit

N26 features you’ll love

Get a virtual or physical debit Mastercard

Your debit Mastercard is accepted worldwide and offers zero foreign transaction fees—as well as SecureCode authentication for extra security.

Instant payments

Send or receive money 24/7, and top up your account in seconds with instant payments. Plus, easily transfer money to other N26 customers via MoneyBeam.

Virtual card

Connect your virtual card to Apple Pay or Google pay, and start spending right from your mobile wallet the minute you open your account.

Budgeting tools

From instant push notifications to spending limits to in-depth features like N26 Insights, you’ll have all the tools you need to stay within budget.

More than an app:  A fully licensed bank

N26 is a fully licensed German bank. That means we have the same security regulations as any other bank. It also means your funds are protected up to €100,000 by the German Deposit Protection Scheme. But our security measures don't stop there.

Image showing a mobile phone with N26 spaces app inside a security badge.

Take the Stress out of dining with Split the Bill

Want to enjoy a night out with your friends and skip the drama when it comes time to pay? With our Split the Bill feature, there’s no more need to ask for separate bills for everyone at the table. Split any payment made with your N26 card easily and instantly, right in the N26 app.

Split the bill

300,000+

5-star app ratings

1,600+

Team members

Find the bank account for your needs

N26 offers different bank accounts for different needs.

N26 Standard

The free* online bank account

Virtual Card

€0.00/month

Virtual card*
Mobile payments
Up to 2 free withdrawals per month
In-app livechat 7/7

Open a Standard account

N26 Smart

The bank account that gives you more control

€4.90/month

Free Virtual Card
Up to 10 Spaces sub-accounts
Support Center phone number
Round-ups

Open N26 Smart account

POPULAR

N26 Go

The debit card for everyday and travel

CRST-18128_PulseSoft_SavingsPlans_LP8c-Desktop-1334x1334.

€9.90/month

Up to 5 free withdrawals in the Eurozone
Flight and luggage delay cover
Medical emergency cover
Winter activities insurance
Pandemic coverage

Open N26 Go account

N26 Metal

The premium account with a metal card

€16.90/month

An 16-gram metal card
Up to 8 free withdrawals in the Eurozone
Purchase protection
Phone insurance
Dedicated N26 Metal line

Open N26 Metal account