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.
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
- Virtual card*
- Mobile payments
- Up to 3 free withdrawals per month
- In-app livechat 7/7
N26 Smart
The bank account that gives you more control
- Free Virtual Card
- Up to 10 Spaces sub-accounts
- Support Center phone number
- Round-ups
N26 You
The debit card for everyday and travel
- 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
- An 18-gram metal card
- Up to 8 free withdrawals in the Eurozone
- Purchase protection
- 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.
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 SpacesTake 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
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 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.
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 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.