La Banque adoptée par 3M de Français

10€ de bienvenue avec le code AMBASSADEUR10

  • Free bank account
  • English Customer Support seven days a week
  • Invest in stocks and ETFs
  • Buy and sell coins with N26 Crypto
  • Earn up to 3% gross annual interest with Instant Savings
Open Bank Account
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You deserve hassle-free banking

Here’s a quick look at what you get with Standard.
A person uses a smartphone with an N26 digital card to make a contactless payment at a terminal. A bottle and payment symbol are visible nearby.

Free virtual card


Pay with a tap of your phone. You may also order an optional physical Mastercard debit card for €10.
Discover your Mastercard
A person holds a smartphone displaying an N26 account overview, showing a balance of €1,234.56. Icons for sending and adding money are visible, with transaction details below.

100% digital banking

Get your free online bank account in minutes with no paperwork.
Open bank account
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24/7 chat support

Chat to Customer Support in English, French, German, Italian, or Spanish — right in the N26 app.
Visit Support Center
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Free ATM withdrawals

Make up to two free domestic ATM withdrawals per month.
Learn about withdrawals

What's next?

1. Register online2. Verify your identity in a short videocall3. Receive your N26 Mastercard4. Enjoy your N26 account
Open Bank Account

Why choose N26

Don’t get bogged down by old-fashioned banking, with its hidden fees and overly complicated transaction processes. The N26 app makes any transaction possible in just a few taps on your smartphone.Open your account in minutes and enjoy 100% mobile banking. Get a free virtual card and monthly ATM withdrawals.
Open Bank Account
A couple sits smiling together while looking at a smartphone.

2013

Market Launch

24

Markets

300,000+

5-star app ratings on iOS and Android

What makes banking with N26 better?

Open an N26 bank account with a French IBAN and discover a new and streamlined way of managing your finances everyday :
  • 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
Beige background, a smart card, a smartphone showing the french iban.

Customer Support in 5 languages

You can chat with our Customer service agents in English, French, Spanish, Italian, or German, 7 days a week, from 7AM to 11PM, including on Sundays and on public holidays. Premium customers also get access to phone support. You can also reach out to us on X, Facebook and Instagram, and check out our FAQs and our Support Center.
A woman lying on a bed holding a credit card in one hand and a smartphone in the other, with a chatbot interface displayed next to her saying, "Hi Sam, how can I help?".

Real-time banking

Real-time push notifications keep you up-to-date with everything that’s happening on your account. Track payments, incoming and outgoing transfers and standing orders—with N26, get an instant notification after every transaction and see where your money goes.
Image of two nail polish removers and an N26 notification.

Custom settings

With N26, choose your PIN code and payment limits. Easily lock and unlock your virtual card, and authorize or cancel online payments.
N26 banking app showing card settings and security features.

Travel the easy way with N26

From the beaches of Phuket to the Big Apple — and everywhere in between — N26 is the bank account that travels with you. All our accounts feature free card payments worldwide, as often as you like and with no foreign transaction fees.
A hand holding a mobile phone displaying a virtual card with a luggage design.

Your safety is top priority

N26 is a real bank with a full banking license. This means that your N26 account is always protected up to €100,000 by the German Deposit Protection Scheme.We also believe in transparency. N26 has no hidden fees, and we send you push notifications for every incoming and outgoing transaction, so you always know what’s happening on your account.
image showing a mobile phone with N26 virtual card inside a security badge.

Choose the perfect plan for you

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • 1,25% AER/NIR* interest on your N26 Instant Savings

  • Worldwide payments and no foreign transaction fees

  • Up to 3 free domestic ATM withdrawals

  • -

    *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.

Open a Standard account
POPULAR

N26 Smart

Save + spend with premium perks

N26 You card, Teal.

€4.90/month

All benefits of N26 Standard, Plus

  • 1,5% AER/NIR* interest on your N26 Instant Savings

  • Up to 5 free ATM withdrawals per month

  • 10 Spaces sub-accounts

  • Phone support 7 days a week

Open a Smart account

N26 Go

Travel with premium perks

N26 You card, Rhubarb.

€9.90/month

All benefits of N26 Smart, Plus

  • 1,5% AER/NIR* interest on your N26 Instant Savings

  • Unlimited free withdrawals in foreign currencies

  • Insurance for delay and theft of luggage

  • Medical emergency cover

Open a Go account

N26 Metal

Our most premium plan

N26 Metal - Slate Grey.

€16.90/month

All benefits of N26 Go, Plus

  • 2.5% AER (3% NIR)* interest on your N26 Instant Savings

  • An 18-gram metal card

  • Up to 8 free ATM withdrawals per month

  • Priority customer hotline

Open a Metal account

Frequently asked questions

    You must meet the following requirements to open an N26 Standard free bank account:
    • Be over the age of 18
    • Live in an eligible country
    • Have your own smartphone
    • Not yet have an online account with N26
    • Have a valid ID
    Find more information about opening an account here.

    N26 has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customer's online payments is always guaranteed.

    The free bank account lets you manage all your finances under one app, whether at home or traveling. In addition, we don’t charge you any hidden fees when withdrawing money from an ATM, or when making payments in foreign currencies. Alongside getting instant push-notifications after every transaction, benefit from Spaces sub-accounts for better saving, automatic spending categorization with Statistics, and the ability to make and receive immediate funds from other N26 customers with MoneyBeam. With N26 You and N26 Metal you can also withdraw money at no fees worldwide, and enjoy exclusive benefits such as discounts. On top of this, premium accounts come with an extensive package of travel and lifestyle insurance, courtesy of Allianz.

    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.

    If you meet all the requirements, you can open your checking account with N26 for free and within minutes. All you need is a smartphone and your photo ID. It's easy with our digital authentication process. Download our app to open an account—you don’t even need a minimum deposit amount.