The bank you’ll love

Discover mobile banking with N26, without paperwork and no hidden fees. Manage your money in real time from your smartphone, and start making mobile payments before your physical card arrives.

A hand holding an iPhone X in their hand with the Spaces screen open on the N26 app.
A transparent N26 Standard card.

The standard N26 account: the essentials without fees*

Discover a bank account without monthly fees, and get a free Mastercard to use around the world. Enjoy zero exchange fees in all currencies, withdraw money and make transfers in the eurozone. It just takes a few minutes to get started and you don’t even have to have a minimum deposit amount to open your N26 account.

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*Up to €50,000 balance, after which a deposit fee may apply. Please find the Terms & Conditions for more information.

N26 Smart—save and spend with confidence

Discover N26 Smart, the bank account that gives you more control over your money—with a direct customer service hotline if you ever need support. Choose a Mastercard in your choice of 5 colors and organize your finances with 10 Spaces sub-accounts—including Shared Spaces to save together with others. Plus, get insights on your spending habits with Statistics, and learn to budget better along the way.

Smartphone and an N26 card.

Real-time banking

Real-time push notifications keep you up-to-date with everything that’s happening on your account. Track payments, incoming and outgoing transfers and standing orders—with N26, get an instant notification after every transaction and see where your money goes.

N26 Bank Account real time notifications about payments.

Travel without borders and without fees

Use your Mastercard, wherever you are

Benefit from zero fees on all your payments made with your Mastercard debit card, even when you’re abroad.

Pack your bags, and take off

There’s no need to warn us. Lock and unlock your card, activate or deactivate payments abroad from your phone, and set withdrawal limits on-the-go.

Loan Comparison - Icon - N26 Credit.

Enjoy the best exchange rate

N26 applies the real exchange rate Mastercard on your foreign currency transactions, without markup. Our partner TransferWise also allows you to make international transfers in 19 currencies from your app, with fees that are x 6 times lower.

Our premium accounts get you covered

If you choose N26 You or N26 Metal, you’ll benefit from travel and lifestyle insurance to cover you daily needs, courtesy of Allianz.

Automatic categorization of your expenses

Keen to learn how to manage your expenses and your budget better? Get an intelligent overview of how you use your money with Statistics. Your bank account automatically categorizes your expenses by category, and you can also customize this tracking by adding hashtags to your transactions.

N26 Bank Account categorising transactions for statistics.

Spaces: discover sub-accounts

Want to put money aside for projects, big or small? Your N26 bank account lets you open sub-accounts so you can save at your own pace. Customize the name of your sub-account, set a goal to reach, and start moving money over in an instant.

Smartphone with the N26 Spaces open on it.

Security is our priority

Mastercard SecureCode - Icon - N26 Security.

3D Secure

N26 uses 3D Secure technology to secure your online payments. When necessary, you can confirm your transactions from the phone paired with your account.

N26 Mastercard - Icon.

Full control of your account

Mobile banking allows you to control all the parameters of your account. Lock and unlock your card, activate and deactivate payments online or abroad, manage your payment limits or change your PIN in real-time.

Our banking license

N26 is a fully-regulated bank that holds a European banking license and is controlled by the German banking regulator.

Apple Pay Security - Icon - N26 Apple Pay.

Your funds are insured

Your money is safe with us, thanks to deposit protection of up to €100,000 by the German Deposit Protection Fund.

We’re here for you. In several languages.

If you have any questions or run into any problems, our Customer Service team will be on hand to help you in English, French, German, Spanish and Italian.

N26 Bank Account Customer Service Chat in App.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

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Open a new N26 bank account from your phone or computer in an easy, paperless signup process.

+ 5 millions
de clients
+ 770M $