• 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 bank account

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 man and a woman holding her phone in a restaurant talking to a friend with a WERO icon.

No IBAN.
Just Wero.

Wero is the new way to pay friends and family in real time — right inside your N26 app. Just tap, send, and get straight back to the good bit.
Open bank account

Transfer money instantly

Send and receive money in seconds anywhere, anytime — for free.*

Zero bank details required

All you need is their phone number or email address.
Hand holding a phone which displays an interface to send money with different options, Wero is one option among other.

Stay in your N26 app

No switching, no interruptions.

The future of European payments

Wero is backed by the European Payments Initiative (EPI) to help make payments simpler and more connected.
N26 and Wero partnership.
*Wero transfers are subject to the N26 Wero T&Cs. A maximum limit of €2,500 per transaction applies.

FAQ

  • Wero is a European digital payment solution, built by the European Payments Initiative (EPI). Send and receive money instantly using just a phone number, email or scanning QR code — no IBAN needed.
  • Sign up for Wero directly in your N26 app via the home screen or in the "Send Money" section. To send money, just enter the recipient's phone number or email (or scan a QR code), confirm the amount, and it's done. No IBAN, no waiting.
  • Wero is completely free to use and already integrated into your N26 app.
  • Currently you can use Wero for person-to-person payments across any bank in the EPI network, available in Germany and France.