Join the Mobile Bank with over 8 million customers

Open an N26 bank account today for free. No minimum income, no minimum deposit, and no hidden fees. 
Open Bank Account

Banking made simple

Forget paying for the basic stuff

With your virtual Mastercard, you can do all your payments online, in apps and in stores via your digital wallet. And we’ll always offer a feeless checking account that does what you need.

Mobile payments for Android and iOS

Digitize your wallet with Google Pay and Apple Pay – tapping your smartphone is all it takes to make transactions instantly.

Free card payments worldwide

Use your virtual Mastercard and you pay what’s on the pricetag. Never pay a foreign transaction fee again.

Mobile or desktop

Manage your N26 account 24/7 from the mobile app or the N26 WebApp, using your browser of choice. Download your transaction history in CSV or PDF format along with your monthly bank statements whenever you want

Open bank account

Take control of your finances.

✓ Get instant push notifications after all activity ✓ Lock and unlock your virtual card directly in the app✓ Set spending limits with a tap✓ Send money to friends instantly with MoneyBeam
N26 Bank Account real time notifications about payments.

Save money with Spaces

Create up to 10 customized sub-accounts to organize your budget and save money for future plans. Whether it’s for your “Holidays” or a “New computer,” make your sub-accounts work for you.Use Rules to automatically move money over to your spaces, at whichever frequency you choose. And with Round-Ups, round up your purchases to the next euro, and set the difference aside immediately.
Manage Spaces sub-accounts
Smartphone with the N26 Spaces open on it.

Your funds are guaranteed up to €100,000

N26 is supervised by the Financial Markets Regulator and meets all European regulatory requirements. Our clients' funds are guaranteed up to €100,000 by the Deposit Protection Fund.

We’re here for you. In several languages

If you have any questions or run into any problems, our Customer Service team will be on hand to help you in English, French, German, Spanish and Italian.

Pay securely—online and in-store

Pay with your N26 virtual card using Apple Pay and Google Pay, anywhere contactless payments are accepted. It's easy to use, secure, and effortlessly mobile. All N26 physical and virtual cards are tokenized before they’re added to Apple Pay or Google Pay, which simply means that your sensitive card information is always stored securely.
iphone showing apple pay feature with N26 bank account.

N26 Metal: Make a statement

With the N26 Metal account, you enjoy exclusive benefits for everyday life and travel. Your payments and withdrawals in foreign currencies are free of charge and your travels are insured by a comprehensive insurance package by Allianz. From the N26 application, you have access to a section dedicated to partner offers, designed to support you on a day-to-day basis.
N26 Metal Card Charcoal.

What's next?

Open your account now and start using your virtual card instantly.
Paperless - Icon - N26 App.
1. Sign up

Hit the button below and enter your personal details in order to create your account.

Touch ID Login - Icon - N26 App.
2. Download the app, verify your identity

Download and log in to the N26 app, so we can verify your identity. Have a valid ID ready.

N26 Mastercard - Icon.
3. Set up your virtual card

Once verified, your virtual N26 debit Mastercard is ready to use. Add it to your digital wallet like Apple Pay or Google Pay.

An icon depicting spaces.
4. Enjoy your N26 account!

You're good to go! You can top up your account and start making transfers.

Open Bank Account
n26 standard card.
n26 metal card.
n26 you card.

Discover a new banking experience

Open Bank 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 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.

    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.