A transparent N26 Standard card.

N26 Standard: the free* bank account with zero hidden fees

Discover N26 Standard, the 100% digital bank account that offers you a unique, transparent Mastercard with no annual fees—it’s yours for a one-time €10 delivery! Open your bank account online in minutes, and start spending even before your physical card arrives, thanks to your free virtual debit Mastercard. Pay in apps, in stores, and online. It’s that easy.

Open your free bank account

*Up to €50,000 balance, after which fees apply. Please see the Terms & Conditions for more information.

N26 Smart—save and spend with confidence

Discover N26 Smart, the bank account that offers everything you need to better manage your money. Get unlimited ATM withdrawals in Italy and across the Eurozone, customer phone support, a unique colorful Mastercard, and up to 10 Spaces sub-accounts to make budgeting a breeze. Plus, enjoy bigger discounts from our partner brands, and access to Statistics, an AI-driven tool that automatically categorizes your spending in real-time.

Smartphone and an N26 card.
N26 You Instant Push Notification about payment to an airline with two flight tickets in the background.

Push-notifications with your account activity

Stay up-to-date. Get a push notification immediately after all account activity, including card and mobile payments, ATM withdrawals, direct debits and transfers.

Insights on your spending habits

Not sure where all your money goes? Thanks to Statistics, your account uses artificial intelligence to automatically categorize your spending and shows you right in the app. Learn how to better manage your expenses, view all your transactions divided into smart sub-categories, and gain insights into your financial habits.

Learn about budgeting
The image shows the new N26 statistics feature divided by expenses and income.
Smartphone with the N26 Spaces open on it.

Dream big and save money with Spaces

N26 Spaces are a new way for you to handle your money. It’s easy—create a space with just a few clicks and start saving money for the things that matter. Monitor your financial goals and keep a track of your progress.

Moreover, you can create Shared Spaces in order to manage money together with your friends and family.

Shared Spaces

Freelancer? Discover our N26 Business accounts

When you’re a freelancer, the right tools make all the difference. Our N26 Business accounts come with everything you need to manage your finances, so that you can get back to business. Open your free N26 Business Standard account in minutes and start collecting 0.1% cashback on all card purchases. Need help? Our Customer Support specialists are there for you 7 days a week.

Looking for a premium experience? N26 Business Metal comes with a sleek, stainless steel Mastercard and 0.5% cashback.

Discover our business accounts
N26 Business Bank Account Free Standard see-through Mastercard Ddbitcard with cashback.

Deposit and withdraw cash while you shop with CASH26

Save yourself the trip to the bank. CASH26 lets you deposit and withdraw cash at more than 1000 supermarkets across Italy—and withdrawals are always free. Just generate the barcode in your N26 app, show it to the cashier and deposit or withdraw the cash. Your updated balance will be reflected immediately.

Deposit money with CASH26

Custom security settings

Online shopping? 3D Secure adds an extra layer of security when making payments online with your N26 Mastercard. You can also lock/unlock your card and set your own withdrawal and payment limits anytime from your N26 app.

And remember—N26 is a fully licensed European bank, so your money is always protected up to €100,000 per EU law.

Find out more about security at N26
A hand holding the Standard N26 card.

Your N26 account with Italian IBAN

What if you could manage all your payments from one, streamlined app? Utility bills, gym membership, streaming services, and more—all direct debits are free with N26! And as for bollettini postali, MAV or RAV, car tax, or PagoPA, you can make these payments directly from your N26 app, too.

N26 Support is here for you, 7 days a week

Need assistance? Our N26 Customer Support team is available every day from 7:00 am to 11:00 pm CET. Reach out to an N26 expert via the in-app chat feature or via the Web App. N26 Smart, N26 You, or N26 Metal customers can also contact us directly via phone.

Go to Support Center
2013
Founded
~1,500
Employees
~7 Million
Customers
+800 M $
Funding

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Shared Spaces is only available for N26 accounts with a German IBAN. This feature will be soon available for N26 accounts with an Italian IBAN opened from 03/26/2020.