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  • Standard

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    Bank for free

    Smart

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    Bank with more control

    Go

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    Bank at home or on the go

    Metal

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    Make a statement
    Compare personal plans

    Business Standard

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    Freelancers bank for free

    Business Smart

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    Manage your business with more control

    Business Go

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    Manage your business on the go

    Business Metal

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    Premium banking with cashback for your business
    Compare business plans
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    Banking featuresYour money made simple
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    SpacesGuide to interest rates
  • Highlights
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    Travel benefits Borderless banking
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    Travel Insurance Coverage for the unexpected
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    Travel eSIMData in 100+ countries
    Features
    Exchanging currencyForeign transaction feesUsing your card abroad
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A man sits on a blanket outdoors in a park and looks at his smartphone screen beside another person.

The first bank you'll love

Manage your money in the beautifully simple app that’s trusted by millions.
Open bank account

Bank for free with no hidden fees

Open your account in minutes and enjoy 100% mobile banking. Get a free virtual card and monthly ATM withdrawals.
Open an N26 Standard account
A smartphone screen displays a mobile banking application interface showing a main account balance and recent transactions.

Save with Spaces

Go premium and get up to 10 Spaces sub-accounts to save for your goals and stay on top of your bills.
Discover Spaces

The card made for travel

Get cashback1 on travel, mid-market exchange rates, and airport lounge access2. Travel stress-free thanks to free ATM withdrawals abroad and insurance — included with N26 Go and Metal.
Open an N26 Go account
A vertical stack of four N26 Mastercard debit cards in different colors including transparent, grey, teal, and black, floating against a dark teal gradient background.

Choose your plan

Find the N26 plan that's best for you and open your account in minutes
Compare plans

1 Eligible cashback spending: 1% cashback on card payments outside the EEA, UK, and Switzerland — paid into your account monthly. Detailed T&Cs can be found on n26.com/hb-ex


2 Airport lounge passes are available for purchase in the app. N26 has partnered with DragonPass to offer you airport lounge access.

Advertising message for promotional purposes. Please see the contractual documentation for more information in the Legal Documents Section.

  • N26 is the first 100% mobile bank to be granted and operate with a full German banking license from BaFin. That means your money is fully protected — both in your bank account and Instant Savings account — up to €100,000 by the German Deposit Protection Scheme. We currently operate in 24 markets worldwide and have over 8 million customers.
  • N26 is a German bank with a full banking license. 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 customers' online payments is always guaranteed.
  • To open an N26 account, you must be over 18 years old and reside in Italy. You also need to have a compatible smartphone. You’ll be asked to provide a valid form of ID as well as valid proof of residence.
  • The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, the N26 Go bank account costs €9.90 per month, and the N26 Metal account is available for €16.90 per month. To open an N26 account, no deposit or minimum income is required.
  • In order to open a bank account with N26, you must have a government-issued ID and a Tax ID code (codice fiscale). Don’t worry, there’s no fussy paperwork or long wait times involved — just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.
  • You can open your mobile N26 account online in minutes from your smartphone or the N26 website — with no paperwork or waiting times. But best of all: once your N26 bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
  • To open an N26 account with an Italian IBAN, you must live in Italy, be at least 18 years old, have a compatible smartphone, a valid supported document and a Tax ID code (codice fiscale).
  • With N26, your card payments are always free worldwide. N26 Go and N26 Metal account holders can also withdraw abroad for free, while with the N26 Standard account customers pay a 1.7% fee on the amount withdrawn.
  • To close your N26 account, you will need to log in to the N26 app to verify your identity, after which the app will guide you through the process of closing your account.

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