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.

Hand holding a mobile with the N26 app open and showing the account balance and Stocks and ETFs balance.

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
Home screen of the N26 app.

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.
Hands holding two N26 cards.

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5-star app ratings

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Team members

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

Transparent N26 Standard card.
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

N26 You card, Teal.
N26 You card, Ash.
N26 You card, Wheat.
N26 You card, Petrol.
N26 You card, Rhubarb.

€4.90/month

  • Free Virtual Card

  • Up to 10 Spaces sub-accounts

  • Support Center phone number

  • Round-ups

Open N26 Smart account
POPULAR

N26 You

The debit card for everyday and travel

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.

€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 You account

N26 Metal

The premium account with a metal card

N26 Metal - Slate Grey.
N26 Metal - Charcoal Black.
Quartz Rose - N26 Metal Card.

€16.90/month

  • An 18-gram metal card

  • Up to 8 free withdrawals in the Eurozone

  • Purchase protection

  • Phone insurance

  • Dedicated N26 Metal line

Open N26 Metal account

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 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.

    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.