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.

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.

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

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

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.

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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

€0.00/month