N26 Logo

  • Standard

    A graphic close-up of the front of a silver N26 Debit Mastercard.
    Bank for free

    Smart

    A graphic close-up of the front of a pink N26 Mastercard.
    Bank with more control

    Go

    A graphic close-up of the front of a teal N26 Mastercard.
    Bank at home or on the go

    Metal

    A graphic close-up of the front of a black N26 Metal Mastercard.
    Make a statement
    Compare personal plans

    Business Standard

    A graphic close-up of the front of a silver N26 Business Standard card.
    Freelancers bank for free

    Business Smart

    A graphic close-up of the front of a pink N26 Business card.
    Manage your business with more control

    Business Go

    A graphic close-up of the front of a teal N26 Business card.
    Manage your business on the go

    Business Metal

    A graphic close-up of the front of a black N26 Business Metal card.
    Premium banking with cashback for your business
    Compare business plans
  • Highlights
    CRST-18128_PulseSoft_Banking_Nav-highlight_140x140.
    Banking featuresYour money made simple
    Features
    MastercardDigital wallets
  • Features
    SpacesGuide to interest rates
  • Highlights
    CRST-18128_PulseSoft_Travel benefits_Nav-highlight_140x140.
    Travel benefits Borderless banking
    A smiling man sits on the floor next to a backpack and looks at his smartphone.
    Travel Insurance Coverage for the unexpected
    A woman with a backpack holds a smartphone while standing on a mountain trail overlooking a city and a peak.
    Travel eSIMData in 100+ countries
    Features
    Exchanging currencyForeign transaction feesUsing your card abroad
Log in
Log in
Open bank account
N26

Company

  • About us

  • Leadership team

  • Investor Relations

  • Careers

  • Press

  • Inadempimenti ABF

Help

  • Customer Support

  • Sitemap

  • Complaints

  • Support Center

LEARN

  • Blog

  • Banking basics guide

  • Studies and research

MONEY TOOLS

  • Financial calculators

  • Budget calculator

  • 50-30-20 calculator

  • Interest calculator

  • Inflation calculator

  • Moving cost calculator

  • Festive budget calculator

More

  • Student bank account

  • Security

  • Refer a friend

  • Banking for expats

  • International money transfers

© N26 SE 2026
Legal DocumentsPrivacy PolicyCookie PolicyImprintUpdate cookie settings
CRST-18128_PulseSoft_Banking_LP1-Mobile-834x1194.

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

Money made simple

Organize your money in 10 Spaces sub-accounts and add a dedicated IBAN or virtual card to pay directly from a Space. Included with our premium plans.
Explore plans
CRST-18128_PulseSoft_Banking_LP2-Mobile-754x533.

Bank better together

Shared Spaces let you budget and save with friends and family. Included with premium plans.
Discover 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

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
CRST-18128_PulseSoft_Banking_CTA-Mobile-754x533.

Switch banks in minutes

Open your N26 account and move your recurring payments 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, N26 Go, 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 N26 Go and Metal plans, while N26 Smart and Standard users only need to pay a 1.7% fee for ATM withdrawals outside the Euro zone.