N26 Smart

The bank account that gives you more control

Discover N26 Smart, the digital bank account with an Italian IBAN and intelligent features that help you spend and save with confidence. Sign up in minutes right from your smartphone—no paperwork, no hassle.

Image of a mobile phone showing a subaccount on the screen and a black debit card in the side with Forbes best bank logo.
hand holding a N26 debit card with the words "Spend" and "Save" in the background.

Mastercard debit card, accepted everywhere

Get your unique contactless N26 Mastercard in a color that best suits your style—Ocean, Rhubarb, Sand, Slate or Aqua. Get free ATM withdrawals across Italy and the Eurozone, and enjoy free payments in any currency with zero foreign transaction fees. Link it to Apple Pay or Google Pay, and start spending with your smartphone even before your physical card arrives.

Discover your Mastercard

Local payments made easy

Save time for what really matters. With N26 Smart, you can pay MAV, RAV, bollettini postali and PagoPA directly from your smartphone. Plus, SEPA transfers are free—all it takes is a few taps to send transfers abroad in euros, at no extra cost.

A list of payments methods available in Italy.
image of two N26 subaccount showing the "main account" and "Back to college" spaces to budget money.

Save effortlessly with N26 Spaces

Create up to 10 separate Spaces sub-accounts to set money aside for all your savings goals. Personalize each space with a name, set your target, and create your own Rules to automatically put money aside as often as you like. Want to make saving even more intuitive? Soon, you’ll be able to save every time you spend—simply have your card payments rounded up to the nearest euro, and get the spare change stashed in a space of your choice.

Explore sub-accounts

Master your spending with Statistics

Ready for a simple and quick view of your finances? Meet N26 Statistics, the intelligent feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on ‘Shopping,’ ‘Bars & Restaurants,’ ‘Groceries,’ and more—all it takes is a quick glance to stay on track with your monthly budget. Plus, with a clear overview of your upcoming regular payments, it’s never been easier to plan ahead and stay on top of your finances.

Learn about budgeting
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Enjoy special deals with N26 Perks

Tap into extra lifestyle benefits with your N26 Smart bank account. Gain access to a wide range of exciting offers from the best Italian and international partner brands, such as Mubi, Blinkist and Lime, among many others. Our partner offers are regularly updated, so you can treat yourself to generous discounts all year round.

View partner offers

Simple. Intuitive. Flexible.

Wave goodbye to inconvenient opening hours and waiting in queues at a bank branch. With N26 Smart, you can save, spend and do your everyday banking right from your smartphone—no matter where you are. Prefer to manage your funds on a bigger screen? Access your bank account on a desktop via the N26 WebApp.

image showing four images of N26 features.

Your safe and secure digital bank account

Mastercard 3D Secure

Shop online with peace of mind thanks to Mastercard 3D Secure—the two-factor authentication step that protects your online payments.

Push notifications after every transaction

Receive instant alerts on your smartphone for all activity in your bank account—track your card payments, ATM withdrawals, direct debits, and incoming transfers.

Log in with biometric authentication

Keep your banking logins extra secure by using FaceID or fingerprint identification to verify your identity.

Full control of your security settings

Lost your card? A few seconds is all it takes to stay secure. Lock or unlock your card, change your PIN, and order a new card in just a few taps from your N26 app.

Customer Support via phone and chat

Need assistance? N26 Customer Support is always on-hand to help in Italian, English, French, Spanish and German. Contact the N26 specialists via the in-app chat, or simply give us a ring on the customer service hotline—reserved for our premium customers. Or, visit the N26 Support Center to quickly find answers to the most frequently asked questions.

N26 Smart. Save and spend with confidence.

Open your premium bank account for only €4.90 per month, directly from your smartphone or desktop. It only takes a few minutes.

N26 You card, Petrol.

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FAQs

What do I need to open an N26 Smart bank account?

If you meet our eligibility criteria, you can register on our website or on the N26 mobile app. You can open an N26 bank account if:

  • You are at least 18 years old
  • You are a resident of a country where N26 is available
  • You have a compatible smartphone
  • You don't already have an N26 bank account
  • You have a supported ID based on your country of residence.

The process is quick and easy, and can be done directly from your smartphone.

How can I open a N26 Smart bank account?

To open an N26 Smart bank account, you must meet our eligibility criteria. In this case, you can register on our website or by downloading the N26 app on a compatible smartphone. Opening an account takes just a few minutes and there are no papers to sign. Once you have verified your identity, you can start using your bank account right away.

For more information, take a look at our Support Center.

What are the advantages of the N26 Smart bank account?

N26 Smart is the bank account that lets you manage your payments and save money with peace of mind. Stay in control of your finances with advanced money management features—Statistics gives you a complete overview of your monthly spending by automatically categorizing each of your transactions. You can also create up to 10 sub-accounts with Spaces and use Rules to set money aside automatically. Plus, you get unlimited free ATM withdrawals in euros, fee-free payments in any currency, and exclusive offers from our partner brands. For more information, see the N26 Smart Terms and Conditions.

How does N26 Spaces work?

Spaces allows you to create up to 10 sub-accounts to set money aside for all your financial goals. Create a space and set a savings goal, then transfer money over from your main account in real-time with a simple drag-and-drop. You can even create your own Rules to set money aside automatically! Rules are like recurring transfers—set the amount and your desired frequency, and relax knowing that your money will be transferred to a space of your choice every day, week, fortnight, or month. You can also round up your card payments to the nearest euro, and automatically save the spare change in your chosen space.

How much does the N26 Smart bank account cost?

The N26 Smart bank account is a one-year membership subscription, and costs €4.90 per month.