FAQ Page

Question 1

Is N26 a bank?

Accepted Answer

N26 is the first 100% mobile bank to be granted and operate with a full German banking license from BaFin. That means your money is fully protected — both in your bank account and Instant Savings account — up to €100,000 by the German Deposit Protection Scheme. We currently operate in 24 markets worldwide and have over 8 million customers.

Question 2

Is N26 secure?

Accepted Answer

N26 has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customer's online payments is always guaranteed.

Question 3

How is N26 protecting my money and personal data?

Accepted Answer

As a bank, N26 is supervised by the Federal Financial Supervisory Authority (BaFin). Our clients' funds are guaranteed up to €100,000 by the German Deposit Protection Scheme. In addition, the N26 app has many features to ensure the security of its users' bank accounts and data.

Question 4

How do I open an N26 account?

Accepted Answer

To open an N26 account, you must be over 18 years old and reside in France. You also need to have a compatible smartphone. You’ll be asked to provide a valid form of ID as well as valid proof of residence.

Question 5

What documents do I need to open a bank account?

Accepted Answer

In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved — just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.

Question 6

How much does it cost to open a bank account?

Accepted Answer

The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, the N26 You bank account costs €9.90 per month, and the N26 Metal account is available for €16.90 per month. To open an N26 account, no deposit or minimum income is required.

Question 7

How long does it take to open a bank account with N26?

Accepted Answer

You can open your mobile N26 account online in minutes from your phone or the N26 website — no paperwork or waiting times. But best of all: Once your N26 bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.

Question 8

How do I get a French IBAN with my N26 account?

Accepted Answer

From 29/06/2023, all N26 customers who open a bank account automatically get a RIB with a French IBAN, i.e. an IBAN beginning with the letters 'FR'.

Question 9

Where can I find my French IBAN and my RIB?

Accepted Answer

To view your N26 IBAN in the N26 mobile app, head to the 'My Account' section via your initials in the top right corner of the 'Home' tab. From there, you can easily copy and paste your IBAN and share it. To download your N26 RIB, head to the N26 web app.

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