The ultimate student bank account — get 12 months free

You’re not your parents, so why bank like them? Try N26 Smart—the student bank account that moves as fast as you do. It’s 100% digital, 100% smart, and 0% old school. Share money instantly with friends and housemates, get special deals from brands you love, and manage your money from anywhere, 24/7.

Sign up online in 8 minutes with the code N26RENTREE, and get 12 months of N26 Smart for free*!

Student in class with a notebook paying attention to her teacher and taking notes.

*Promotion offer valid from September 20, 2021 to October 10, 2021. Terms and Conditions apply.

Set yourself up for success with N26 Smart

  • Choose a Mastercard debit card in 5 colors
  • Easily save with Spaces sub-accounts
  • Pay shared bills together with Shared Spaces
  • Enjoy exclusive N26 Perks from brands you love
  • Stay on top of your spending with Statistics
N26 You card, Petrol.
MoneyBeam instant transfer screenshot.

Send money at lightning-speed

Whether you’re paying rent with housemates or splitting the bill on a night out, N26 makes instant payments as easy as 1-2-3. Try MoneyBeam to instantly send, request, and receive money for free among N26 friends, or make instant bank transfers to anyone in the SEPA area—even if they’re not N26 customers. Plus, a few seconds is all it takes to split a restaurant bill, right in your N26 app. Goodbye, complicated math. Hello, stress-free student banking.

Discover instant payments

Live large on a student income

Strapped for cash? Save on the brands you love with N26 Perks. Get exclusive deals and offers from Gorillas, FlixBus, Reebok, GetYourGuide, and more.

Master your budgeting skills

Stay on track with N26 Statistics. See exactly how much you’ve spent each month in categories like ‘Groceries’ and ‘Shopping’, updated in real time.

100% digital, 100% secure

Bank from anywhere, anytime with your N26 app. Plus, our full European banking license means that your money is legally protected up to €100,000.

Say goodbye to hidden fees

Hidden fees? That’s so 2004. At N26, your student bank account comes with free local ATM withdrawals, and no extra fees for paying in another currency.

A bank account that’s as smart as you are

If personal finance was a subject, premium N26 student bank accounts would be the ultimate cheat sheet. Unlock premium-only features like N26 Spaces to easily set money aside, or pool funds together with up to 10 friends in N26 Shared Spaces sub-accounts. Working towards a goal? Save even faster with Round-Ups—we’ll stash away the spare change every time you use your N26 card.

Explore premium plans
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Find your perfect student bank account

Ready to open your student bank account with N26? Compare our premium plans and sign up online in just 8 minutes—all you need is some WiFi, your ID, and your smartphone. No paperwork needed!


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What is the best student bank account at N26?

Germany, Austria, France: Promotion offered by N26 Bank GmbH, Rungestr. 22, 10179 Berlin, Germany. Promotion offer valid from 20.09.2021 until 10.10.2021.

Spain: Promotion offered by N26 Bank GmbH, Sucursal en España, Calle de José Abascal, 41, 28003 Madrid, Spain Promotion offer valid from 20.09.2021 until 10.10.2021.

Italy: Promotion offered by N26 Bank GmbH, Succursale Italiana, Via Pola, 11 - 20124 Milan, Italy. Promotion offer valid from 20.09.2021 until 10.10.2021.

The promotion applies to new N26 customers who are students (age 18-24), have a valid student ID, are residents of the countries as outlined above, and sign up to a N26 Bank account during the promotion period. The promotion may be used once per new N26 customer. New N26 customers may use the promotion code when signing up to the N26 Smart premium bank account, which comes with a one-year term and may be terminated at any time. Once the promotion code is activated, the new N26 customer becomes a N26 Smart customer and will be exempt from paying the monthly N26 Smart premium bank account fee (€4.90/month) for the first 12 months of their yearly subscription, beginning from the date of activation. The T&Cs of the N26 Smart premium bank account apply and can be accessed via the website When the promotion ends after 12 months, the N26 Smart customer’s yearly subscription to N26 Smart will remain active, and the N26 Smart customer will therefore remain subject to the T&Cs of N26 Smart and the corresponding monthly fees (€4.90/month). If the customer terminates their N26 Smart membership during/after the promotional period in line with section 4.2 of the applicable N26 Smart T&Cs, the customer will be downgraded to the N26 Standard account as it is offered at the time the customer's termination is becoming effective. To redeem the promotion code, the new N26 customer must provide it when prompted during sign up. The promotion cannot be combined with any other promotional offers of N26 Bank. N26 Bank reserves the right to terminate this promotion or perform reasonable changes to the promotion at any time if it notices any abuse of the promotion or violation of these T&Cs.