N26 Standard

N26 bank account – free*, secure and 100% mobile

Discover N26 Standard, the free current account that makes your life easier. Quick, simple, and safe: start managing your money and making contactless mobile payments before your physical card arrives. Open your account with an Italian IBAN in minutes from your home—you only need your smartphone!

Standard N26 card on top of a brick.

*Up to €50,000 balance, after which fees apply. Please see the Terms & Conditions for more information.

A transparent N26 Standard card.

Free Mastercard

Your N26 bank account comes with a transparent Mastercard debit, accepted worldwide and at no extra cost. Top up your account and use your card to withdraw money for free at any ATM in Italy and in the Eurozone, and enjoy free payments in all currencies—wherever you are in the world. You can also add it to your digital wallet and pay directly with your smartphone online and in stores.

Headache-free instant payments

After signing up, instantly top up through a debit, credit or prepaid card to get money into your account. Make bank transfers for free using N26 MoneyBeam in real-time – send, receive or request money from your contacts listed in the N26 app, or to new ones with just an email or phone number.

Need to get funds into your account straight away? Avoid the worry, and receive incoming payments with SEPA Instant Credit Transfer in seconds.

Customer sends 14.50 Euro via N26 MoneyBeam.

N26 Smart—save and spend with confidence

Want to get even smarter about your spending and saving? Go premium with N26 Smart and access intelligent money management tools to save and budget better. Get unlimited ATM withdrawals in Italy and across the Eurozone, customer phone support, a unique colorful Mastercard, and up to 10 Spaces sub-accounts to make budgeting a breeze. Plus, enjoy bigger discounts from our partner brands, and access to Statistics, an AI-driven tool that automatically categorizes your spending in real-time.

N26 Bank Account Transferwise example transaction.

Make international money transfers with TransferWise

Thanks to the TransferWise feature built into your N26 app, you can send money in 36 different currencies and benefit from the real market exchange rate and lower fees compared to traditional banks.

The perfect account for everyday banking

Mastercard SecureCode - Icon - N26 Security.

Your online purchases with N26 are 3D Secure

3D Secure (3DS) protects you when making purchases online. You have one less thing to worry about – with Mastercard Identity Check, your online card payments are extra secure.

Real-time push-notifications

Whether you're paying in store or online, receiving your salary, or withdrawing money from the ATM – with real-time push-notifications after every transaction, you'll always have an overview of your financial movement.

Full control over your card

Lost your card? Your N26 bank account lets you lock and unlock your Mastercard, reorder it and change your PIN directly in the app.

One app to manage all your expenses

Have your salary credited to your N26 account and set up recurring transfers or direct debits with a tap of your finger. Manage your subscription and utilities from one simple, intuitive app in real time.

Save money with N26 Spaces

Spaces is a N26 feature that lets you create your own sub-accounts to manage your finances and save money. Create a space, set your savings target and monitor how close you are to achieving it. You can even create Rules to automatically transfer money from your main account into a space. Reaching your goals has never been easier!

Discover Spaces
N26 You Spaces Overview in App.

Track your expenses with Statistics

Every time your salary comes in, you pay for your coffee with card (or your mobile phone) and make a transfer, your free bank account tracks and recognizes your transactions. Thanks to automatic spending categorization, you always receive an updated overview of your current expenses.

You can further personalize the system with #tags – and if you need your balance statement, simply export your transaction history as a CSV file via the WebApp.

N26 Bank Account categorising transactions for statistics.

Banking on the big screen

Even if you need to sign up to N26 using the mobile app, you can always use the web application to view your account from a desktop or other device.

Download your transactions list

We're mobile, but for easier tax returns and invoicing, export and download your transaction list as CSV or PDF files for easy printing.

N26 Metal – the new generation premium account

Discover our most premium banking experience with N26 Metal. Get an exclusively-designed stainless steel Mastercard, alongside benefits such as free withdrawals worldwide, a handy package of lifestyle and travel insurance and special partner discounts to suit your lifestyle. Need help? No problem! Our priority Customer Support is always on-hand to help.

Go premium with Metal
A hand holding a credit card.

We're here for you. In 5 languages.

Whenever you have a question or encounter a problem, our N26 Support team is always on-hand to help. They are available for you in 5 languages via email or chat.

N26 Bank Account Customer Service Chat in App.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Compare Accounts

Open a new N26 bank account from your phone or computer in an easy, paperless signup process.

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Shared Spaces is only available for N26 accounts with a German IBAN. This feature will be soon available for N26 accounts with an Italian IBAN opened from 03/26/2020.

Frequently asked questions

Is N26 a real bank?

N26 is the Mobile Bank. We operate with a full European banking license, and offer a free standard account, N26 You and Metal premium accounts, as well as business accounts for freelancers and self-employed. Our customers can manage all their banking transactions simply, easily and securely via a smartphone, and receive a Mastercard debit for free.

Is N26 secure?

N26 operates with a full European banking license, which protects your N26 account up to €100,000, under EU law directives. With 3D Secure, Mastercard Identity Check and fingerprint and face recognition, the security of your online payments is always guaranteed.

What are the benefits of using the free checking account?

The free bank account lets you manage all your finances under one app, whether at home or traveling. In addition, we don’t charge you any hidden fees when withdrawing money from an ATM, or when making payments in foreign currencies. Alongside getting instant push-notifications after every transaction, benefit from Spaces sub-accounts for better saving, automatic spending categorization with Statistics, and the ability to make and receive immediate funds from other N26 customers with MoneyBeam.

With N26 You and N26 Metal you can also withdraw money at no fees worldwide, and enjoy exclusive benefits such as discounts. On top of this, premium accounts come with an extensive package of travel and lifestyle insurance, courtesy of Allianz.

How much does it cost to open an N26 bank account?

With our standard account you will receive a free checking account—without having to pay anything. An N26 You bank account costs €9.90 per month, and the N26 Metal account costs €16.90 per month. If you opt for a N26 premium account, you commit to at least 12 months. You don’t need a steady income or a minimum deposit to open an account.

Up to €50,000 balance, after which a custody fee may apply.Please find the Terms & Conditions here.

How to open an N26 bank account?

If you meet all the requirements, you can open your checking account with N26 for free and within minutes. All you need is a smartphone and your photo ID. It's easy with our digital authentication process. Download our app to open an account—you don’t even need a minimum deposit amount.

How do I top up my N26 bank account?

You can top up your N26 account via SEPA transfer, via a CASH26 deposit or MoneyBeam—our feature that lets you send, receive or request money in real time from other N26 users.

How often can I withdraw cash free of charge?

The standard N26 bank account includes unlimited free withdrawals in euros, while the N26 You and Metal accounts offer unlimited free withdrawals worldwide in any currency.