The bank you’ll love

Money made beautifully simple. Spend, save, and manage your finances in one intuitive app that's trusted by millions.

The free bank account for your day-to-day life

Say goodbye to paperwork and hidden fees. With N26 you'll enjoy a completely free, transparent online bank account that fits your lifestyle — complete with a virtual card, 7/7 customer support, and much more.
Open an N26 Standard Account
The N26 app displays the balance in Spaces, accompanied by a transparent N26 card against a rhubarb-colored background.
A man enjoying a cappuccino with three N26 icons in the foreground.

Easy to open

Open an account in minutes directly from your smartphone.

Open a bank account
An image of an N26 virtual card with a mobile phone in the background displaying the same N26 virtual card, next to a hand holding a cappuccino cup.

Free card included

Get a free virtual Mastercard you can use immediately.

Learn more
A woman lies on a teal-colored bed with a greeting message in the foreground.

24/7 chat support

Contact us day and night via the chat in your N26 app — in five languages.

Visit our Support Center
Mobile showing of a N26 virtual card.

Simply secure

Our innovative security features keep your money and data simply secure.

Security at N26

Withdraw cash easily

N26 offers several features designed to make your daily life easier. With N26 Standard you can make up to three free withdrawals in the eurozone, while N26 premium accounts offer unlimited free eurozone withdrawals. In addition, N26 You and N26 Metal offer free withdrawals worldwide.

Save and budget with N26

Wish everyday budgeting was easier? N26 Insights automatically categorizes your spending in real time to help you spot opportunities for savings.Set money aside for future plans with Spaces sub-accounts. Whether your goals are big or small, Spaces make organizing money simple, and you can use automations like Round-ups to save money without even thinking about it.
Explore Spaces sub-accounts
A hand grabbing a cup of coffee, a croissant, and an N26 Rhubarb card.
A girl on the beach holding her mobile and N26 card, with a transaction between two N26 Spaces in the foreground.
A guy eating a pancake while looking at his mobile phone, with an image of N26 Insights in the foreground.

N26 accounts — your money deserves an upgrade

N26 Standard

The premium bank account with a metal card

Transparent N26 Standard card.
Virtual Card


  • Up to 3 free ATM withdrawals in the eurozone

  • Free SEPA transfers

  • A virtual Mastercard debit card

N26 Smart

The bank account that gives you more control

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.


All benefits of N26 Standard, Plus
  • Up to 10 Spaces sub-accounts

  • Free instant SEPA transfers and a free physical card

  • Customer support hotline


N26 You

The debit card for everyday banking and travel

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Ash.
N26 You card, Teal.


All benefits of N26 Smart, Plus
  • Free ATM withdrawals worldwide

  • Free instant SEPA transfers and a free physical card

  • Travel insurance

N26 Metal

The premium bank account with a metal card

N26 Metal - Charcoal Black.
N26 Metal - Slate Grey.
Quartz Rose - N26 Metal Card.


All benefits of N26 You, Plus
  • 18-gram metal debit card

  • Exclusive mobile phone insurance

  • Purchase protection

Transparent N26 Standard card.
N26 Metal - Charcoal Black.
N26 You card, Teal.

Open your N26 account in minutes

Whether you're looking for a free, flexible online bank account or a premium account complete with insurance packages and smart budgeting tools, N26 has got you covered. There's no paperwork and no hassle — open your account from your phone in minutes.

*The N26 Standard current account includes zero fees for the maintenance of the account, the issuance of a virtual debit card and the authorization of virtual debit card transactions, ordinary SEPA transfers in Euros, standing transfer orders, SEPA direct debits, three cash withdrawals a month at ATMs in the Euro area. Fees and charges are applicable for services other than those indicated. For complete contractual and economic conditions, see the information sheets. Advertising message for promotional purposes. Please see the Terms & Conditions for more information.

  • Is N26 a bank?
  • Is N26 secure?
  • How do I open an N26 account?
  • How much does it cost to open a bank account?
  • What documents do I need to open a bank account?
  • How long does it take to open a bank account with N26?
  • Do I have to be an Italian resident to open an online bank account?
  • Can I use my online bank account for international transfers?
  • Can I easily close my account online?