The free current account with features you’ll love

Everything you need to spend, save and keep track of your money – all in one app.

In-app features for full control

Set and change your daily payment and withdrawal limits. Immediately lock your card if it gets lost, and unlock it again if you find it. Reset and change your PIN. Enable or disable online or overseas payments.

Mastercard SecureCode - Icon - N26 Security

3D Secure by Mastercard Securecode

3D Secure is an extra layer of security as standard that helps prevent fraud when making payments online.

Real-time Notifications - Icon - N26 App

Push notifications on your activity

Stay up to date with instant push notification after all transactions, withdrawals and outgoing transfers.

PIN Code - Icon - N26 App

Lost your card? Lock it immediately

Ever found your lost card the minute after you cancelled it? With N26 you can instantly lock your card to prevent unauthorised transactions and unlock it again if it shows up.

Desktop Version - Icon  - N26 Bank Account

N26 Web

If you prefer big screens and keyboards over tapping on a smartphone, N26 Web offers the same functionality but with additional features such as reduced glare Dark Mode.

MoneyBeam instant transfers

Make instant, real-time bank transfers for free using N26 MoneyBeam. Send or receive money from your contacts listed in the N26 app, or add contacts with just an email or phone number.

Automatic categorisation of your spending

Not sure where all your money goes? Your N26 current account uses artificial intelligence to categorise your spending and visually display this in the app.

Statistics 700x450 (UK)

We’re here for you.

If you have any questions or run into any problems, our Customer Service team are on hand to help you via email or our in-app chat features. You can also check out our Support Centre.

N26 Bank Account Customer Service Chat in App

Open a full UK current account in minutes

Open an N26 account in minutes, get full financial control for much longer. All without a scrap of paperwork.

Frequently asked questions

What is N26?

Launched in 2015, N26 is a bank which operates under a full European banking licence. We currently operate in 25 countries across Europe and the USA and have over 3.5 million customers worldwide.

Is N26 secure?

As a European bank, N26 is supervised by the Financial Markets Regulator and meets all European regulatory requirements. Our customers' funds are guaranteed up to €100,000 (or the equivalent amount in pounds sterling) by the Deposit Protection Fund. In addition, the N26 app has many features in place to ensure the security of its users' bank accounts and data.

What are the benefits of an N26 current account?

N26 is The Mobile Bank, allowing customers to fully manage their current account from their smartphone in real-time, whether they’re at home, or travelling the world. There are zero exchange fees on card payments in any currency. N26 You and N26 Metal premium accounts also allow you to make free withdrawals worldwide, and come with specially-selected discounts and offers for members only. N26 Metal also comes with an insurance package provided by Allianz.

How much does it cost to open an N26 current account?

A standard N26 current account is free and there are no costs for opening or maintenance. An N26 You account costs £4.90 per month for a minimum contract of 12 months, and N26 Metal costs £14.90 per month with a minimum contract of 12 months. No deposit or minimum income is required to open any of our accounts.

How do I open an N26 current account?

Provided you meet the eligibility criteria, you can open an account with N26 simply by downloading the N26 mobile app to a compatible mobile phone device and registering an account. Opening an account only takes a few minutes with no paperwork required. Once you’ve verified your identity, your N26 current account will be ready to go.

How long does it take to open an N26 current account?

An N26 current account can be opened in as little as 8 minutes. Just download the app using a compatible smartphone device to get started.