The bank you’ll love

Money made beautifully simple. Spend, save, and invest in one intuitive app that's trusted by millions.Open Bank Account

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
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Free card included

Get a free virtual Mastercard you can use immediately.
Learn more
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24/7 chat support

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

€0.00/month

  • Up to 3 free ATM withdrawals in the eurozone

  • Free SEPA transfers

  • A virtual Mastercard debit card

Open free bank account

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.

€4.90/month

All benefits of N26 Standard, Plus

  • Up to 10 Spaces sub-accounts

  • Free instant SEPA transfers and a free physical card

  • Customer support hotline

Open N26 Smart account
POPULAR

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.

€9.90/month

All benefits of N26 Smart, Plus

  • Free ATM withdrawals worldwide

  • Free instant SEPA transfers and a free physical card

  • Travel insurance

Open N26 You account

N26 Metal

The premium bank account with a metal card

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

€16.90/month

All benefits of N26 You, Plus

  • 18-gram metal debit card

  • Exclusive mobile phone insurance

  • Purchase protection

Open N26 Metal account
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.
View plans
Open Bank Account

*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.

    N26 is the first 100% mobile bank to be granted and operate with a full German banking license from BaFin. That means your money is fully protected — both in your bank account and Instant Savings account — up to €100,000 by the German Deposit Protection Scheme. We currently operate in 24 markets worldwide and have over 8 million customers.

    N26 is a German bank with a full banking license. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customers' online payments is always guaranteed.

    To open an N26 account, you must be over 18 years old and reside in Italy. You also need to have a compatible smartphone. You’ll be asked to provide a valid form of ID as well as valid proof of residence.

    The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, the N26 You bank account costs €9.90 per month, and the N26 Metal account is available for €16.90 per month. To open an N26 account, no deposit or minimum income is required.

    In order to open a bank account with N26, you must have a government-issued ID and a Tax ID code (codice fiscale). Don’t worry, there’s no fussy paperwork or long wait times involved — just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.

    You can open your mobile N26 account online in minutes from your smartphone or the N26 website — with no paperwork or waiting times. But best of all: once your N26 bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.

    To open an N26 account with an Italian IBAN, you must live in Italy, be at least 18 years old, have a compatible smartphone, a valid supported document and a Tax ID code (codice fiscale).

    With N26, your card payments are always free worldwide. N26 You and N26 Metal account holders can also withdraw abroad for free, while with the N26 Standard account customers pay a 1.7% fee on the amount withdrawn.

    To close your N26 account, you will need to log in to the N26 app to verify your identity, after which the app will guide you through the process of closing your account.

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