N26 Standard
The free account for your everyday banking needs
Virtual Card
€0.00/Month
N26 Standard
The free account for your everyday banking needs
Virtual Card
€0.00/Month
Services and Fees for everyone who registers with an address in France.
For our detailed price list, view PDF here These insurances are only available for customers who opened an account after November 13, 2019 or renewed their account after January 10, 2020. For more information on Allianz Assistance insurance coverage, please see the General Conditions of the N26 Go, N26 Business Go or N26 Metal account.
For our detailed price list, view PDF here These insurances are only available for customers who opened an account after November 13, 2019 or renewed their account after January 10, 2020. For more information on Allianz Assistance insurance coverage, please see the General Conditions of the N26 Go, N26 Business Go or N26 Metal account.
*Valid only for new customers who open a new N26 Metal account from 19/02/2025 onwards. Deposits made into Instant Savings earn interest at an annual gross nominal rate of 2%, which is currently aligned with the European Central Bank deposit facility rate (starting on 11/06/2025). This interest rate may be subject to change at any time at N26's discretion, regardless of fluctuations in the ECB rate. Interest is taxable and subject to social security contributions. Terms and conditions of the Instant Savings apply. Reserved for non-Business customers of N26 Bank SE, Succursale France.
For existing customers, the interest rates on your N26 daily money account depend on your main membership with N26: 1.50% with N26 Metal, 0.55% with N26 Go, and 0.25% with N26 Smart and N26 Standard from 11/06/2025 onwards.These may be subject to change at any time by N26. Interest is taxable and subject to social security contributions. Reserved for non-Business customers of N26 Bank SE, Succursale France.
**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
***Currently, the Shared Spaces feature is only available to N26 account holders with a German IBAN (customers in a business relationship with N26 Bank AG).
****Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks.
Service of reception and transmission of orders of digital assets provided by N26 Bank AG (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 247466 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v). Learn more on https://n26.com/en-fr/crypto.
*****Stocks and ETF is currently only available to N26 account holders with a French IBAN (customers in a business relationship with N26 Bank AG, Succursale France). These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes. The numbers of available Stocks and ETFs can vary per market.
Personal Bank Account FAQ
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.
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.
You’ll need to be at least 18 years old to open a bank account with N26
Opening a bank account with N26 takes minutes. During this time, we will ask you for some basic information and verify your identity.
No. Right now, you can only have one bank account with N26. If you already have an N26 Personal account for your personal finances and wish to open a Business account, you’ll have to close your personal Standard account first. Then you can open your business account.
N26 doesn’t charge exchange markups. So you get what your money is worth, without conversion fees. We use the real exchange rate, provided by Mastercard.