N26 Logo
  • Standard

    A graphic close-up of the front of a silver N26 Debit Mastercard.
    Bank for free

    Smart

    A graphic close-up of the front of a pink N26 Mastercard.
    Bank with more control

    Go

    A graphic close-up of the front of a teal N26 Mastercard.
    Bank at home or on the go

    Metal

    A graphic close-up of the front of a black N26 Metal Mastercard.
    Make a statement
    Compare personal plans

    Business Standard

    A graphic close-up of the front of a silver N26 Business Standard card.
    Freelancers bank for free

    Business Smart

    A graphic close-up of the front of a pink N26 Business card.
    Manage your business with more control

    Business Go

    A graphic close-up of the front of a teal N26 Business card.
    Manage your business on the go

    Business Metal

    A graphic close-up of the front of a black N26 Business Metal card.
    Premium banking with cashback for your business
    Compare business plans
  • Highlights
    CRST-18128_PulseSoft_Banking_Nav-highlight_140x140.
    Banking featuresYour money made simple
    Features
    Joint accountMastercardWeroDigital wallets
  • Highlights
    A man smiles while leaning over a box to unpack vinyl records in a bright room.
    Instant SavingsEarn interest flexibly
    Features
    Spaces Guide to interest rates
  • Highlights
    A hand holds a smartphone displaying the N26 investment screen listing popular stocks.
    All investment optionsYour portfolio, your way
    A woman wearing a baseball cap smiles while holding up her smartphone outdoors.
    Stocks and ETFsTrade from €1
    A man wearing a white sweatshirt and a black cap is sitting outdoors in a sunny field.
    CryptoBuy and sell 300+ coins
    A woman with long blonde hair carefully trims a flower stem while arranging a bouquet.
    Plan d’Épargne en Actions PEAInvest with tax benefits
     
    CRST-25202_MMF_Expansion_LP_Thumbnail_140x140.
    Flexible Cash FundMake your money work harder
    Features
    Savings plansAnalyzing stocksGuide to crypto coinsGuide to ETFsGuide to stocksInvesting for beginners
  • Highlights
    A smiling man embraces a laughing woman holding a smartphone and keys.
    Personal loanLoans from €1,000-€50,000
  • Highlights
    CRST-18128_PulseSoft_Travel benefits_Nav-highlight_140x140.
    Travel benefits Borderless banking
    A smiling man sits on the floor next to a backpack and looks at his smartphone.
    Travel Insurance Coverage for the unexpected
    A woman with a backpack holds a smartphone while standing on a mountain trail overlooking a city and a peak.
    Travel eSIMData in 100+ countries
    Features
    Exchanging currencyForeign transaction feesUsing your card abroad
Log in
Log in
Open a free bank account
N26

Company

  • About us

  • Leadership Team

  • Investor Relations

  • Careers

  • Press

  • Affiliate program

Help

  • Customer Support

  • Sitemap

  • File a complaint

  • Support Center

LEARN

  • Blog

  • Banking basics

  • Trading glossary

  • Crypto glossary

  • Taxes hub

  • Studies and research

Money tools

  • Financial calculators

  • Budget calculator

  • 50-30-20 calculator

  • Interest calculator

  • Inflation calculator

  • Moving cost calculator

More

  • Student bank account

  • Salary account

  • Security

  • Refer a friend

  • Expats

  • International money transfers

© N26 SE 2026

Legal DocumentsPrivacy PolicyCookie PolicyImprintUpdate cookie settings
A young student in glasses takes notes and listens attentively during a lecture in a dimly lit classroom.

Make money the easiest part of college

Start banking in minutes with the free, 100% mobile account that helps you do more with your money.
Open a free bank account

Hidden fees?
Not our thing.

Save your cash with a free virtual card, two free ATM withdrawals a month, plus free card payments worldwide.
Open a free bank account
A hand holds a smartphone displaying the Face ID prompt for a contactless payment at a counter.

Your money, your control

Pay friends back in seconds, balance your bills, and set spending limits to keep it all in check.
Open a free bank account

Your first step into investing

Invest in 5,000+ stocks, ETFs, a PEA, and more1 — without switching apps.Start from €1 and invest regularly by setting up a savings plan for free. Capital at risk.
Open a free bank account
A smartphone displays the digital N26 Virtual Card on the screen.

Set it up between classes

Open your free account from your phone and use your virtual card right away.
Open a free bank account

1 Buying and selling stocks, ETFs, and ETCs through the N26 app costs €0.90 per transaction. N26 Go customers receive 3 free trades per month, while N26 Metal customers receive 10 free trades per month. Free trades are only valid for stocks, ETFs, and ETCs. Product costs may apply, e.g. ETF management fees and third-party inducements. Terms and conditions apply.

These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments etc. These statements also do not constitute an offer to conclude a contract for the purchase or sale of financial instruments. Financial instruments 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. Past performance is not a reliable indicator of future results.

A portfolio transfer of fractional shares and fractional ETFs is not possible, so a non-intended sale may be necessary. The values depicted are fictional and for illustrative purposes. The numbers of available stocks and ETFs can vary per market.

The reception and transmission service for stocks, ETFs, and other assets is provided by N26 Bank SE, Voltairestr. 8, 10179 Berlin, Germany, CR Berlin Charlottenburg HRB 271697 B in partnership with Upvest Securities GmbH, a limited liability company, Schlesische Straße 33/34, 10997 Berlin, Germany, CR Berlin Charlottenburg HRB 232445 B (execution and custody).

FAQ

  • Yes! We’re a digital bank with a full German banking license and millions of customers across 24 countries.
  • By law, the funds in your account are protected up to €100,000 through the German Deposit Protection Scheme. We’re fully hosted in the cloud and use artificial intelligence to fight financial crime and card fraud. We also secure every transaction with passcodes and Face ID or Touch ID technology, as well as confirm every customer’s identity when opening an account. Learn more about our security here.
  • You’ll need government-issued ID, for example, a passport. You'll also need a smartphone to use your account, and must be a resident of a country we operate in.
  • The N26 Standard bank account is free and there are no opening or maintenance fees. N26 Smart costs €4.90 per month, N26 Go costs €9.90 per month, and N26 Metal is €16.90 per month. No deposit or minimum income is required to open an account.