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  • Standard

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    Bank for free

    Smart

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    Bank with more control

    Go

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    Bank at home or on the go

    Metal

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    Make a statement
    Compare personal plans

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    Freelancers bank for free

    Business Smart

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    Manage your business with more control

    Business Go

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    Manage your business on the go

    Business Metal

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    Premium banking with cashback for your business
    Compare business plans
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    Travel eSIMData in 100+ countries
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A woman holding her smartphone using her N26 bank account.

The bank account built for better control

Master your money with intelligent tools and a card to match your style.
Open N26 Smart account

Your card,
your style

Use your virtual card from the get-go, and order a Debit Mastercard in your choice of five colors — free1 with N26 Smart.
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Every cent
in its Space

Stay organized with 10 Spaces sub-accounts. Divide your money to plan for your goals, or set aside funds for expenses.
Discover N26 Spaces
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Set it, then forget it

Automations like Income Sorter, Round-ups, and Rules for Spaces give you total control over your saving and budgeting.
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Switch banks in minutes

Open your N26 account and move your recurring payments in just a few taps.
Open N26 Smart account

1 N26 Smart, Go, and Metal customers get up to six free virtual cards. N26 Standard customers get one free virtual card; extras are €2.59 each. The physical Mastercard is included in the €4.90 monthly plan fee.

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FAQ

  • You must meet the following requirements to open an N26 Smart account:
    • Be over the age of 18
    • Live in an eligible country
    • Have your own smartphone
    • Not yet have an account with N26
    • Have a valid ID
    • Be able to verify yourself in one of our supported languages: English, French, German, Spanish, or Italian
    Find more information about opening an account here.
  • Once you've checked that you meet our basic requirements, just download the N26 app to sign up. Forget the paperwork — opening an N26 Smart account takes just a few minutes. All you need is a valid ID. Once we've verified your identity, your virtual Debit Mastercard is ready to use immediately.
  • The N26 Smart account costs €4.90 per month. For full details on the costs and conditions of N26 Smart, please refer to the information sheet ‘N26 Bank Account’ and the information sheet ‘Services to the N26 Bank Account’.
  • N26 Smart is a bank account that comes with a free physical N26 Mastercard (with the flexibility to order an additional 4 for a one-time fee of €10 each), up to six virtual cards, and unlimited free ATM withdrawals in 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 detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page. For full details on the costs and conditions of N26 Standard, please refer to the information sheet ‘N26 Bank Account’ and the information sheet ‘Services to the N26 Bank Account’.
  • Our N26 Smart account includes a physical Debit Mastercard (max 5), available in your choice of five colors. Plus, you can also get up to six free virtual cards, each with its own card number — for even more safety when you’re shopping online.
  • 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. 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. Find out more about Spaces and Shared Spaces here.