N26 bank account. Secure, mobile, with an Italian IBAN.

Start managing all your banking activities from one app. Open an N26 Standard account with no maintenance fees in minutes from your smartphone.
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Standard N26 card on top of a brick.

Debit Mastercard with no maintenance fee

N26 Standard comes with a free contactless Mastercard card for a one-off €10 delivery fee, compatible with Google Pay and Apple Pay.

Extra free virtual Mastercard

N26 Standard comes with a free contactless Mastercard virtual card, compatible with Google Pay and Apple Pay. Pay with your smartphone anywhere in the world.

Unlock free unlimited withdrawals with N26 Smart

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✓ A unique colorful Mastercard✓ AI-driven tool that automatically categorizes your spending in real-time✓ State Cashback program✓ Customer phone support
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Why choose N26

A full bank account—for free

Opening a N26 Standard account is free, and there are no maintenance fees. Plus, all N26 accounts are protected up to €100,000 by the German deposit protection scheme.

Free withdrawals in euros and SEPA transfers

With N26, you aren’t limited to any specific ATM—just use the closest. You can withdraw money from any ATM in Italy and in the eurozone with no extra cost. Plus, you can make SEPA transfers for free.

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Push notifications after all activity

No more bad surprises at the end of the month. With N26, you get a push notification after all account activity, including card and mobile payments, ATM withdrawals, direct debits and transfers. This way, you’re always in the know.

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Safe online purchases

Your online card payments are extra secure, as 3D Secure protects you when making purchases online. You can also lock/unlock your N26 Mastercard, change your PIN, and activate/deactivate online payments with a tap from your app.

Promotion on the stamp duty tax

Until December 31, 2021, the stamp duty tax on the account balance won’t be charged to all new N26 account holders. Open your N26 account to take advantage of this offer!
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Reach your goals with N26 Spaces

Give your financial goals room to grow with N26 Spaces sub-accounts. Personalize each space with a name, set your savings target, and easily stash savings aside with just a few taps. Rather set it and forget it? Easy—create Rules to regularly move money over to a space, or try Round-Ups to save up the spare change whenever you pay by card.
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N26 You Spaces Overview in App.

Get the most with our premium accounts

Sometimes you need more than just a card. Our premium memberships N26 You and N26 Metal offer additional benefits such as free worldwide ATM withdrawals, travel insurance and exclusive partner offers. N26 Metal also includes an exclusive metal Mastercard, mobile phone cover and priority customer support.
N26 Metal Card Charcoal.
n26 standard card.
n26 metal card.
n26 you card.

Compare the N26 accounts

Find a plan that works for you and open your N26 account in minutes from your smartphone
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*The Confetti Card is a limited-edition design option for your physical N26 Mastercard, available from 26.06.2026 until 31.12.2026 or while stocks last. Physical N26 Mastercards are available according to your N26 plan (Standard, Smart, Go, or Metal) and are subject to the applicable T&Cs and Price List.

1 Exclusions and restrictions apply. For more information, please see the N26 Metal Allianz Assistance Insurance Product Information Sheet and N26 Metal Conditions for Beneficiaries. You can see all the information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for Beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France. Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language.

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Mastercard debit card for a one-off €10 delivery fee. Advertising message for promotional purposes. Please see the Terms & Conditions for more information.

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