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.

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

Find the bank account for your needs

N26 offers different bank accounts for different needs. The N26 Standard is our free bank account that will suit those who want essential banking services and a virtual card. The N26 Smart account comes with a free physical card and budgeting tools. The N26 You account gives you access to a full pack of travel insurances. The N26 Metal account also offers everyday and travel insurance as well as a uniquely elegant metal card.

N26 Standard

The free* online bank account

The N26 virtual card.
Virtual Card
€0.00
/month
  • Virtual card*
  • Mobile payments
  • Up to 3 free withdrawals per month
  • In-app livechat 7/7
Popular

N26 Smart

The bank account that gives you more control

N26 You card, Rhubarb.
€4.90
/month
  • Free Virtual Card
  • Up to 10 Spaces sub-accounts
  • Shared Spaces
  • Round-ups

N26 You

The debit card for everyday and travel

N26 You card, Petrol.
€9.90
/month
  • Up to 5 free withdrawals in the Eurozone
  • Flight and luggage delay cover
  • Medical emergency cover
  • Winter activities insurance

N26 Metal

The premium account with a metal card

N26 Metal - Charcoal Black.
€16.90
/month
  • An 18-gram metal card
  • Up to 8 free withdrawals in the Eurozone
  • Car rental insurance
  • Phone insurance

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.

A woman in the company of her instructor doing skydiving and a N26 teal card with a space called bucket list.

Save for your goals with Spaces

You’ve got big dreams—why not give them some space? With any N26 premium account, you’ll get 10 Spaces sub-accounts to help you save the easy way. Give each Space a unique name and savings goal, and instantly add money from your main account with just a few taps.

Discover Spaces

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
Hands holding two N26 cards.

FAQ

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 an average of 8 minutes. During this time, we will ask you for some basic information and verify your identity.

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 open a 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.

How much does it cost to open a bank account?

N26 Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account. However, if your balance is over €50,000, you may be charged a 0.5% p.a. Deposit Fee on this balance. Read more about this in our General Terms and Conditions. N26 Smart, You, and Metal premium accounts cost a monthly fee. For more information, visit our website to compare accounts.