The power is in your hands
Here’s an at-a-glance look at the pro tools you get with Smart.
Every cent in its Space
Stay organized with up to 10 Spaces sub-accounts. They’re great for dividing your money to save for specific goals, or setting aside funds for expenses.
Discover N26 Spaces
Plastic or pixels — why not both?
Paying is easy, whichever card you use. You get a free physical Mastercard debit card with N26 Smart, in addition to a free virtual card you can add to your digital wallet immediately.
Show me virtual cards
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- You’re at least 18 years old
- You’re a resident of one of the supported countries
- You have a compatible smartphone
- You don’t have an account with N26 yet
- You have a supported ID document on hand, which is valid in your country of residence
- You’re able to verify yourself in one of our supported languages: English, German, Spanish, Italian, or French
Simply open your N26 Smart bank account via the N26 app on your smartphone or using the N26 web app on desktop. You must meet the following criteria:
To open your N26 Smart bank account, you must meet the eligibility criteria. If you do, you can simply register via the N26 web app on desktop or the N26 app on your smartphone. It takes just minutes to open a bank account, and there’s no paperwork involved. You may start using your account right away once your identity is verified.
For more information on how to open your N26 Smart account, and a list of your required documents, visit our Support Center.
You can open your online bank account with N26 in minutes from your phone or the N26 web app. There’s no paperwork or waiting times. But best of all: once your N26 bank account is active, you can start using it as soon as you’ve verified your identity and signed the contract. 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.
N26 Smart is a bank account that comes with a physical N26 Mastercard debit card, a virtual card, and unlimited free domestic ATM withdrawals per month in Italy and the eurozone. As an N26 Smart customer you’ll also have access to innovative banking features that make saving and managing your finances easier. Thanks to Insights, you’ll also always have a detailed overview of all your spending.
Budgeting and saving is simple with N26 Smart. Create up to 10 sub-accounts with Spaces, including Shared Spaces to save and spend with others.
For a complete description of the economic conditions applicable to N26 Smart, please refer to the information sheet ‘N26 Bank Account’ and the information sheet ‘Services to the N26 Bank Account’.
How muc
The N26 Smart plan involves the payment of a monthly fee of €4.90. If you’d like to, you can also opt for a payment of €26.50 every six months, or an annual payment of €47. The subscription period is one year and, unless you cancel before the end of the annual term, renews automatically. You may cancel your subscription at any time.
For a complete description of the economic conditions applicable to N26 Smart, please refer to the information sheet ‘N26 Bank Account’ and the information sheet ‘Services to the N26 Bank Account’.
N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a Smart customer, create up to 10 Spaces sub-accounts in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund. Of course, how you use your Spaces is up to you.
Try using Rules to automatically set your bill money aside to a Space. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account.
If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other N26 customers. However, please note that an IBAN cannot be added to a Shared Space for now. Stay tuned for more updates to come!
Find out more about Spaces and Shared Spaces here.
You can only have one active N26 account in your name. Currently, it’s not possible to have two N26 accounts under the same name. This means that you can’t have a private N26 bank account and an N26 business account at the same time.
Do you love your N26 online bank account so much that you want to invite friends to discover the benefits too? In Italy, you can invite others to N26 and receive a bonus if they open an account. Go to My account > Useful actions > Invite your friends in your N26 app to get your invite link and learn more. Share your link with anyone you want to introduce to N26, so they can use it to open their new bank account. Find more information on our website.
Looking for a bank account that includes a credit card? This isn’t something that we offer at the moment — our online bank accounts come with debit cards. With an N26 debit card, you can pay online, in apps, and in stores, as well as withdraw cash free-of-charge at ATMs throughout Italy. Link your N26 card to Apple Pay or Google Pay and easily pay with your phone. Just like a credit card, your Mastercard debit comes with a card number, CVC, and expiration date, but there are also a few differences. Learn more in our guide.
Our N26 Smart account includes a physical Mastercard debit card, available in your choice of five colors. Plus, you can also get a virtual card with its own card number — for even more safety when you’re shopping online.
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