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.
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.
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.
Your safe and secure 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.
You're in control
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.
Visit our Support Center
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.
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FAQs
- What do I need to open an N26 Smart bank account?
- How can I open a N26 Smart bank account?
- What are the advantages of the N26 Smart bank account?
- How does N26 Spaces work?
- How much does the N26 Smart bank account cost?