N26 Standard—your free student bank 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.

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!

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.

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!

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!

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.

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.

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.

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.