Open a bank account despite “interdit”
At N26, recipients of “compte bancaire pour interdit”, or bank prohibition, are always welcome to open a bank account — no extra steps needed
- Bank 100% free and online
- Bank without the paperwork
- Control your card
- Safety guarantee
+8 Million
customers
~1.8B USD
Invested
+1500
Employees
~$1.8B
Invested
Bank 100% free and online
In just minutes, compte bancaire pour interdit customers can open a new digital bank account. N26 Standard has no monthly fees and comes with a free virtual bank card. If you’re looking to supercharge your finances, there are also three premium memberships worth exploring: N26 Smart, N26 You, and N26 Metal.Open your account today to start paying directly from your phone, and manage daily finances alongside savings and investments — all in one mobile app.
Bank without the paperwork
Becoming an N26 customer is all about ease. With our digital banking app, you can forget about lengthy paperwork.Opening your new account also doesn’t require any minimum deposits, proof of income, or language requirements — you can bank in English, German, Spanish, Italian, or French. We know you need to get moving, and we’ll get you up and running quickly.
Control your card
With your free virtual card and Mastercard you’re ready to bank anytime, anywhere.Instantly pay online or in stores with a tap of your phone, thanks to Google Pay and Apple Pay. Traveling abroad is also made easy with fee-free ATM access. Or you can pay directly with no currency exchange fees. Not to worry — you’ll get the official Mastercard exchange rate wherever you bank.
Safety guarantee
As a fully-licensed German bank, security is our top priority. Your bank account is protected up to €100,000 by the German Deposit Protection Scheme, and that’s just the start.
We also leverage machine-learning technology, store sensitive data securely in the cloud, and keep every Mastercard purchase protected through 3D-Secure technology.
And you can personalize security settings for your account at any time in the N26 app.
N26 accounts — Your money deserves an upgrade
MORE INTEREST
N26 Metal
The premium account with a metal card
€16.90/month
All benefits of N26 You, Plus
2,25 % annual gross interest with Instant Savings
15 free monthly trades on stocks and ETFs
Up to 8 free domestic ATM withdrawals
18-gram metal card
N26 You
The debit card for everyday and travel
€9.90/month
All benefits of N26 Smart, Plus
1.05 % annual gross interest with Instant Savings
5 free monthly trades on stocks and ETFs
Unlimited free withdrawals worldwide
Travel insurance
N26 Smart
The bank account that gives you more control
€4.90/month
N26 Standard
The free online bank account
Virtual Card
€0.00/month
0,75 % annual gross interest with Instant Savings
Up to 3 free domestic ATM withdrawals
Free payments worldwide
Apple Pay & Google Pay
What's next?
- Register online
- Verify your identity in a short videocall
- Receive your N26 Mastercard
- Enjoy your N26 account
FAQs
A virtual debit card is exactly like a physical debit card, just in digital form. You can use it for online purchases or add it to Apple Pay or Google Pay for secure, contactless in-store purchases.
A virtual debit card can be used just like you would use a physical bank card. In addition to online purchases, you can use a virtual card for contactless payments in stores by adding it to Apple Pay or Google Pay. You can also use it to withdraw cash at cash machines equipped with contactless NFC technology.
All virtual debit cards are electronically encrypted to protect you from banking fraud. With N26, all our cards are enabled with Mastercard 3D Secure, which verifies your identity with two-factor authentication when making online payments.
All N26 Standard and N26 Business customers can add one additional virtual card to their N26 account for free, while N26 premium customers get up to six cards for free and can choose from all six card designs. Just head to the ‘Cards’ tab in your N26 app and tap 'Get an additional card'. Select 'Virtual' and tap 'Choose', then agree to the terms and conditions and tap 'Generate virtual card'.
A prepaid debit card is not linked to a bank account. Once you run out of money on the card, you need to top it up with additional funds. In contrast, a virtual card is linked to your bank account and can be used just like a normal debit card. N26 offers virtual cards, but not prepaid debit cards.
When a virtual card has the same number as your physical bank card, it’s often referred to as a digital card—because it’s a digital version of your physical card. Virtual card usually refers to a card that only exists in digital form and is not linked to any physical card.
All N26 premium accounts let you add a digital version of your physical N26 debit Mastercard to your digital wallet. All N26 Business and N26 Standard customers can add one virtual card to their accounts with no extra cost, while premium customers can add up to six virtual cards to their accounts. Every virtual card has its own card number and can be locked without affecting your main card.