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.
Your free* N26 bank account
The standard N26 bank account doesn't charge any opening or maintenance fees. It also includes unlimited free withdrawals from any ATM in the eurozone, free SEPA transfers and free card payments in any currency.Read more
*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.
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.
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.
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
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 500 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.Learn more
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.
Advertising message for promotional purposes. Please see the Terms & Conditions for more information.
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.
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