Bank for free with no hidden fees

Open your account with no paperwork. Get a free virtual card and monthly ATM withdrawals*. Open Bank Account
A woman in a beige trench coat holding a bouquet of pink flowers and a smartphone, walking past a flower shop.

Money made simple

Organize your money in up to 10 Spaces sub-accounts — with our premium plans.
Explore plans
A financial overview showing a main account with €2,300, a flights category with €1,450, and a groceries category with €260, illustrated with icons.

Bank better together

Shared Spaces let you budget and save with friends and family. Included with premium plans.
Discover Shared Spaces
A couple lying on grass with their dog, holding a smartphone, and a financial display showing shared spaces.

Security you can trust

As a fully-licensed German bank built on the latest technology, we use advanced security measures to keep your money safe.
Learn about security
A person holding a smartphone displaying a locked digital card interface, enclosed within a shield symbol for security.

Get 24/7 support

Message our chatbot 24/7, or talk with Customer Support daily from 07:00–23:00 in English, German, French, Italian, or Spanish.
Customer Support
A woman lying on a bed holding a credit card in one hand and a smartphone in the other, with a chatbot interface displayed next to her saying, "Hi Sam, how can I help?".

Open an account in minutes

Open your N26 account from your desktop or smartphone in just a few taps.
Open Bank Account

*The N26 Standard current account includes zero fees for the maintenance of the account, the issuance of a virtual debit card and the authorization of virtual debit card transactions, ordinary SEPA transfers in Euros, standing transfer orders, SEPA direct debits, three cash withdrawals a month at ATMs in the Euro area. Fees and charges are applicable for services other than those indicated. For complete contractual and economic conditions, see the information sheets. Advertising message for promotional purposes. Please see the Terms & Conditions for more information.

FAQ

    Opening an N26 account is fast, digital, and hassle-free. All plans include zero hidden fees, real-time spending alerts, easy budgeting tools, and a set number of free ATM withdrawals depending on your plan. Top-tier security keeps your money safe, and you can manage your finances right from your phone.

    N26 has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customer's online payments is always guaranteed.

    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. You can start spending with your virtual card as soon as your account is set up, without having to wait for your physical card to arrive.

    N26 Standard has no monthly fees and no fees for everyday transactions. You’ll get 3 free domestic ATM withdrawals every month with N26 Standard — and unlimited domestic withdrawals with Smart, You, and Metal. Some plans have monthly costs and come with additional travel and insurance benefits.

    Yes! All N26 cards allow you to withdraw money at foreign ATMs. It's free with You and Metal plans, while N26 Smart and Standard users only need to pay a 1.7% fee for ATM withdrawals outside the Euro zone.