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.
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.
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.
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
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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
N26 Smart
The bank account that gives you more control
€4.90/month
POPULAR
N26 Go
The debit card for everyday and travel
€9.90/month
- Up to 5 free withdrawals in the Eurozone
- Flight and luggage delay cover
- Medical emergency cover
- Winter activities insurance
- Pandemic coverage
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
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
N26 Smart
The bank account that gives you more control
€4.90/month
POPULAR
N26 Go
The debit card for everyday and travel
€9.90/month
- Up to 5 free withdrawals in the Eurozone
- Flight and luggage delay cover
- Medical emergency cover
- Winter activities insurance
- Pandemic coverage
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
FAQ
- 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.
- Opening a bank account with N26 takes minutes. During this time, we will ask you for some basic information and verify your identity.
- 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 Go 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.
- 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.
- You’ll need to be at least 18 years old to open a bank account with N26
- 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!
- 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.