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, and start managing your money and making mobile payments before your physical card arrives.
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.
Make international money transfers with TransferWise
Thanks to the TransferWise feature built into your N26 app, you can send money in 38 different currencies and benefit from the real market exchange rate and lower fees compared to traditional banks.
Secure online banking features
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.
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
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.
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.
We're here for you. In 5 languages.
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.
Advertising message for promotional purposes. Please see the Terms & Conditions for more information.
Shared Spaces is only available for N26 accounts with a German IBAN. This feature will be soon available for N26 accounts with an Italian IBAN opened from 03/26/2020.
N26 is the Mobile Bank. We operate with a full European banking license, and offer a free standard account, N26 You and Metal premium accounts, as well as business accounts for freelancers and self-employed. Our customers can manage all their banking transactions simply, easily and securely via a smartphone, and receive a Mastercard debit for free.
N26 operates with a full European banking license, which protects your N26 account up to €100,000, under EU law directives. With 3D Secure, Mastercard Identity Check and fingerprint and face recognition, the security of your online payments is always guaranteed.
The free bank account lets you manage all your finances under one app, whether at home or traveling. In addition, we don’t charge you any hidden fees when withdrawing money from an ATM, or when making payments in foreign currencies. Alongside getting instant push-notifications after every transaction, benefit from Spaces sub-accounts for better saving, automatic spending categorization with Statistics, and the ability to make and receive immediate funds from other N26 customers with MoneyBeam.
With N26 You and N26 Metal you can also withdraw money at no fees worldwide, and enjoy exclusive benefits such as discounts. On top of this, premium accounts come with an extensive package of travel and lifestyle insurance, courtesy of Allianz.
With our standard account you will receive a free checking account—without having to pay anything. An N26 You bank account costs €9.90 per month, and the N26 Metal account costs €16.90 per month. If you opt for a N26 premium account, you commit to at least 12 months.
If you meet all the requirements, you can open your checking account with N26 for free and within minutes. All you need is a smartphone and your photo ID. It's easy with our digital authentication process. Download our app to open an account—you don’t even need a minimum deposit amount.
You can top up your N26 account via SEPA transfer, via a CASH26 deposit or MoneyBeam—our feature that lets you send, receive or request money in real time from other N26 users.
The standard N26 bank account includes unlimited free withdrawals in euros, while the N26 You and Metal accounts offer unlimited free withdrawals worldwide in any currency.