The bank you'll love.

N26 lets you manage your bank account, spend and set money aside in real time, under one app. Open your account in minutes 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.

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

Discover N26 Standard, the 100% digital bank account with no hidden fees. Open your free bank account online in minutes, and start spending right away with your free virtual debit Mastercard for payments in apps, in stores, and online. Prefer a physical card? Order yours now for a one-off €10 delivery fee.

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*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.

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.

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

Automatic categorization of your spending

Not sure where all your money goes? Your account uses artificial intelligence to automatically categorize your spending and shows you in the app.

N26 Bank Account categorising transactions for statistics.

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
Smartphone with the N26 Spaces open on it.
N26 Business Bank Account Free Standard see-through Mastercard Ddbitcard with cashback.

Get cashback with N26 Business

Free and premium accounts for freelancers and the self-employed give you 0,1% cashback on all purchases made with your N26 Mastercard. Business You’s travel insurance and extended warranty cover lets you go global, while focusing on the task at hand.

Discover our business accounts

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. Just generate a barcode in your N26 app, show it to the cashier and deposit or withdraw your cash – your account balance will update immediately.

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A hand holding the Standard N26 card.

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.

Your N26 account with Italian IBAN

We’re a fully licensed, 100% mobile bank. Every N26 bank account is guaranteed by the Compensation Scheme of German Banks up to €100,000.

~7 Million
+800 M $

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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.