N26 Standard—your free student bank account

Saving money as a student? Sure, it’s possible—with N26 Standard!

  • no account maintenance fees
  • free virtual card, apple pay and google pay
  • straightforward banking without complicated conditions
  • fee-free withdrawals
  • Intuitive app, perfect for banking on the go
  • simple savings features

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The free bank account that makes life easy

Not a fan of waiting times, hidden fees, or paperwork? Us too. Get a bank account with a virtual card and 24/7 support and manage your money on the go.

Open N26 Standard Account
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MoneyBeam instant transfer screenshot.

Send and receive money instantly

Whether it’s making a last-minute rent payment or splitting the dinner bill —with N26, you can settle up in seconds! Send, receive, and request money from your N26 contacts instantly with MoneyBeam. Plus, use instant payments to transfer money in seconds—no matter which bank account you’re sending it to. And with your new student account, you can save yourself the post-meal hassle with Split the Bill and divvy up shared restaurant bills with just a few taps in your N26 app.

Discover instant payments

Everyday banking with a French IBAN

Receive your transfers and manage all your payments—right within your N26 app. New N26 customers now get French bank details (known as a RIB) to use for all your transactions, including incoming transfers, direct debits, and standing orders.

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Master your spending with Insights

Ready for a simple and quick view of your finances? Meet N26 Insights, the intelligent feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on ‘Shopping,’ ‘Bars & Restaurants,’ ‘Groceries,’ and more—all it takes is a quick glance to stay on track with your monthly budget. Plus, with a clear overview of your upcoming regular payments, it’s never been easier to plan ahead and stay on top of your finances.

Learn about budgeting

Enjoy amazing perks

Only got spare change left? Thanks to N26 Perks, you don’t have to spare yourself the fun. Get exclusive discounts from top brands like FlixBus, Reebok, GetYourGuide, and more.

100% digital and secure

N26 has a full European banking license. That means the funds in your student account are protected up to €100,000, so you can enjoy 100% secure, mobile banking!

No hidden costs

100% transparency, 0% hidden costs. Benefit from free ATM withdrawals all over Austria and free payments in any currency—all with our N26 student bank accounts!

Always flexible with your overdraft limit

With your N26 student account, you can set up, adjust, and always keep track of your spending in just a few minutes. With your flexible overdraft credit, you have full control over your finances at any time.

N26 Smart—spend and save with confidence

Finally, a student bank account that’s just as mobile as you are. With N26 Smart, managing your finances is effortless and, well, smart! Save money for your unique goals with Spaces sub-accounts—our signature virtual piggy banks. To save even more, use Round-ups to automatically round up card payments to the nearest euro and transfer the difference to a designated Space.

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Transparent N26 Standard card.
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Find your perfect student bank account

Ready to open your student bank account with N26? Compare our premium plans and sign up online in minutes—all you need is some WiFi, your ID, and your smartphone. No paperwork needed!


What is a student account?

A student account is a bank account specifically tailored to the needs of students. It typically offers specific advantages that cater to the financial situation and lifestyle of students. These benefits may include lower or no account maintenance fees, free ATM withdrawals, a free credit card, an increased overdraft limit, or special offers for young customers.

How do I open a student bank account?

Opening a student bank account with N26 is as easy as 1-2-3.

  1. Go to n26.com or download the N26 mobile app.
  2. Choose the type of bank account you want, and sign up online in minutes. You’ll need to verify your identity with a valid ID.
  3. Top up your student bank account instantly, and start using your new N26 Mastercard with Apple Pay or Google Pay—even before it arrives in the mail!

What do you need for a student account?

While many banks require an enrollment confirmation as proof of your studies, with N26 you only need a valid identification document to open your student bank account.

What are the benefits of student bank accounts?

A student account comes with a number of benefits. With an N26 student bank account, you’ll have access to free features to save and budget the easy way. Our Statistics feature neatly categorizes your spending in categories such as “Food & Groceries” or “Shopping.” On top of that, you’ll enjoy free ATM withdrawals and get exclusive discounts at popular brands such as FlixBus, Reebok and GetYourGuide. Plus, an N26 student account is completely free of charge!

Until when is a student account?

In general, student accounts usually remain valid for the duration of your studies. Once you have completed your studies or finished your enrollment at the university, the special conditions and benefits of the student account might end. However, with N26, you keep all the favorable conditions even after your studies!

How much money do I need to open a student account?

The cost of a student bank account depends on the bank you choose. Some banks ask users to top up their balance immediately when opening their student bank accounts. This is sometimes referred to as a ‘minimum opening deposit.’ Other banks will charge you a monthly fee that’s automatically deducted from your account—so-called ‘maintenance fees’.

With a free N26 student account, you won’t have to worry about maintenance fees or minimum opening deposits. In fact, you can open an account directly in the N26 app in just minutes—it’s fast, simple and 100% paperwork-free. And, N26 is a fully licensed, 100% mobile bank, meaning your money is protected up to €100,000 just like with traditional banks.

How much money can one have in a student account?

There is usually no specific limit on the amount of money that can be held in a student account. Student accounts are generally regular bank accounts that are offered specifically to students, and there are no restrictions on the account balance.

Can I open a student bank account without a parent?

Whether you can open a student bank account without your parents depends on the laws of the country you’re living in. In general, you’ll need a parent or guardian’s consent to open a bank account if you’re a minor. With N26, you can open a student bank account without a parent as soon as you’re 18 years old. Check the eligibility requirements here.

What is the best student bank account at N26?

It all depends on your situation. If you’re looking for a free student bank account, our online free account N26 Standard is the perfect choice. You’ll get a virtual N26 Mastercard to use with Apple Pay or Google Pay, a local IBAN to easily pay bills, and you can send, receive, and request money between other N26 friends for free with N26 MoneyBeam.

If you’re looking for a student bank account that’s packed with easy-to-use budgeting and savings features, look no further than N26 Smart. You’ll get a contactless N26 Mastercard in your choice of color, even more free ATM withdrawals, and N26 Perks discounts from brands you love. Plus, you can create up to 10 Spaces and Shared Spaces sub-accounts to put money aside to save and budget for different projects, goals, or expenses—by yourself, or together with up to 10 others. It’s the perfect all-rounder for only €4.90/month.

Learn more about how to manage your financials as student

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