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A couple sitting outside. The woman holds a phone, and the screen is about the N26 bank account interface.

The simple bank account you’ll love

For all your everyday needs — get a virtual card, three free ATM withdrawals every month1 , and 24/7 chat support.2
Open bank account

Your N26 Debit Mastercard

Use your free virtual card to pay with your phone right from day one. You can also get our unique, transparent physical card.3
Meet the N26 Mastercard
A payment with a N26 debit card.

It’s your money. Get it for free.

Why pay for something that’s already yours? Get three free ATM withdrawals within the eurozone each month.

Help whenever you need it

Get 24/7 chat support in English, French, German, Italian, or Spanish.2

Your account is simply secure

With biometric login, instant notifications, and full deposit protection, banking with N26 is as safe as it is smart.
Learn more about security
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Start banking better

Open your free N26 account and start enjoying beautifully simple banking.
Open bank account

1 N26 Standard includes three free monthly ATM withdrawals in the eurozone.

2 Customer Support specialists available from 11am until 7pm, seven days a week. Our chatbot can help with common questions 24/7.

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FAQ

  • You must meet the following requirements to open an N26 Standard 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 open your account. Forget the paperwork — opening a free N26 Standard 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.
  • N26 Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account. 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’.
  • N26 Standard is a 100% online free bank account that allows you to manage your daily finances all in one place. Transfer, receive, and manage your money online whenever and wherever you are. Accept SEPA Instant Credit transfers from other banks at no extra cost and see the money in your N26 Standard account in seconds. Plus, MoneyBeam lets you send, receive, and request money among other N26 customers, all in real time and completely free. As soon as you open your account, you’ll receive your virtual N26 Mastercard. Link it to Apple Pay or Google Pay and use it for contactless payments in stores, online, or in apps. You can even make up to three free ATM withdrawals in the eurozone per month at any ATM equipped with a contactless reader. If you'd rather have a physical debit card, that's no problem — just order your transparent N26 Mastercard for a one-time delivery fee of €10. Plus, thanks to the Insights feature, you'll also learn more about your spending habits, which can help you manage your finances even better. For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.
  • N26 Standard includes one free virtual card that can be used right away, and an additional 5 virtual cards for €2.59 each. You can also order a physical Debit Mastercard for €10 (up to 5).
  • At N26 we offer the free N26 Standard account. You get an account with no maintenance fees or minimum balance. You also get a virtual Debit Mastercard, which you can use for online purchases and mobile payments via Apple Pay or Google Pay. You also have the option to open a paid N26 account and get access to more features and benefits. N26 Smart lets you add up to 10 sub-accounts and use innovative savings features, while N26 Go offers travel insurance benefits and free international withdrawals. And with N26 Metal, you get our premium account with an elegant stainless-steel Debit Mastercard, smartphone insurance, and priority customer support. Open your fully mobile, online bank account in minutes — directly from your phone — and start banking from anywhere.
  • If you’re looking for an account with no maintenance fees and no minimum deposit, our N26 Standard account is perfect for you. You'll benefit from a fully online bank account with a virtual Debit Mastercard that you can use to pay via Apple Pay or Google Pay — both online and in stores. You'll also enjoy access to the Insights feature, which helps you keep better track of your spending and find places where you can save more. However, with an N26 account, fees may apply for various services. These include, for example, fees for direct debits that bounce. You can find more information about the costs of our accounts and services in our detailed price list. 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’.