N26 Standard

N26 bank account – free, secure and 100% mobile

Discover N26 Standard, the free current account that makes your life easier. Quick, simple, and safe: open yours in minutes to start managing and saving money on-the-go—all from one app.

An N26 Standard card on top of a concrete block.
A transparent N26 Standard card.

Free Mastercard

Your N26 bank account comes with a transparent Mastercard debit, accepted worldwide and at no extra cost. Use it to withdraw money for free at any ATM in Italy and in the Eurozone, and enjoy free payments in all currencies—wherever you are in the world. You can also set daily withdrawal and spending limits, right from your phone.

Headache-free instant payments

After signing up, instantly top up through a debit card to get money into your account. Make bank transfers for free using N26 MoneyBeam in real-time – send, receive or request money from your contacts listed in the N26 app, or to new ones with just an email or phone number.

Need to get funds into your account straight away? Avoid the worry, and receive incoming payments with SEPA Instant Credit Transfer in seconds.

Customer sends 14.50 Euro via N26 MoneyBeam.
N26 Bank Account Transferwise example transaction.

Make international money transfers with TransferWise

Thanks to the TransferWise feature built into your N26 app, you can send money in 19 different currencies and save up to 6 x more on rates offered by traditional banks.

Secure online banking features

Mastercard SecureCode - Icon - N26 Security.

Your N26 bank account is 3D Secure

3D Secure (3DS) protects you when making purchases online. you have one less thing to worry about – with Mastercard Identity Check, your online card payments are extra secure.

Real-time push-notifications

Whether you're paying in store or online, receiving your salary, or withdrawing money from the ATM – with real-time push-notifications after every transaction, you'll always have an overview of your financial movement.

Full control over your card

Lost your card? Your N26 bank account lets you lock and unlock your Mastercard, reorder it and change your PIN directly in the app.

Fingerprint authentication for faster login

Open your N26 app with fingerprint identification or face recognition, and protect it from unauthorized access. You can easily authorize payments for your online purchases without having to enter your PIN every time with biometric authentication.

Save money with N26 Spaces

Spaces is a N26 feature that lets you create your own sub-accounts to manage your finances and save money. Create a space, set your savings target and monitor how close you are to achieving it. You can even create Rules to automatically transfer money from your main account into a space. Reaching your goals has never been easier!

Discover Spaces
N26 You Spaces Overview in App.

Track your expenses with Statistics

Every time your salary comes in, you pay for your coffee with card (or your mobile phone) and make a transfer, your free bank account tracks and recognizes your transactions. Thanks to automatic spending categorization, you always receive an updated overview of your current expenses.

You can further personalize the system with #tags – and if you need your balance statement, simply export your transaction history as a CSV file via the WebApp.

N26 Bank Account categorising transactions for statistics.

Banking on the big screen

Even if you need to sign up to N26 using the mobile app, you can always use the web application to view your account from a desktop or other device.

Download your transactions list

We're mobile, but for easier tax returns and invoicing, export and download your transaction list as CSV or PDF files for easy printing.

Whenever you have a question or encounter a problem, our N26 Support team is always on-hand to help. They are available for you in 5 languages via email or chat.

N26 Bank Account Customer Service Chat in App.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Compare Accounts

Open a new N26 bank account from your phone or computer in an easy, paperless signup process.

Frequently asked questions