Open a bank account online in minutes

Ready for a bank account you’ll actually love? Then you’re ready for N26. Transfer, receive, and manage your money right in your N26 app. Open your dream bank account in minutes—directly from your smartphone. No paperwork, stress, or waiting times. Just intuitive, easy mobile banking that works.
Image showing a person with an N26 debit card and the N26 app displaying the account feed with the list of transactions.
Sign up

Hit the button below and enter your personal details in order to create your account.

Verify your identity

Please have a valid ID at hand. We don't have branches so you can verify your identity within the app.

Add your card to your wallet

Your N26 virtual debit card is ready to use.

Enjoy your N26 account!

You're good to go! You can already top up your account and start using your virtual card.

N26 Standard—your free bank account

Get a free bank account in minutes and easily manage your money right from your phone. You’ll get intuitive features like N26 Insights that give you more control over your finances, and push notifications for every transaction. Plus, enjoy 3 free ATM withdrawals per month within the Eurozone.
Standard N26 card on top of a brick with Forbes best bank logo.

More than an app: 
A fully licensed bank

N26 is a fully licensed German bank. That means we have the same security regulations as any other bank. It also means your funds are protected up to €100,000 by the German Deposit Protection Scheme. But our security measures don't stop there.
Image showing a mobile phone with N26 spaces app inside a security badge.

N26 features you’ll love

Get a virtual or physical debit Mastercard

Your debit Mastercard is accepted worldwide and offers zero foreign transaction fees—as well as SecureCode authentication for extra security.

Virtual card

Connect your virtual card to Apple Pay or Google pay, and start spending right from your mobile wallet the minute you open your account.

Budgeting tools

From instant push notifications to spending limits to in-depth features like N26 Insights, you’ll have all the tools you need to stay within budget.

Instant payments

Send or receive money 24/7, and top up your account in seconds with instant payments. Plus, easily transfer money to other N26 customers via MoneyBeam.

N26 accounts — your money deserves an upgrade

N26 Standard

The premium bank account with a metal card

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • Up to 3 free ATM withdrawals in the eurozone
  • Free SEPA transfers
  • A virtual Mastercard debit card

N26 Smart

The bank account that gives you more control

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.

€4.90/month

All benefits of N26 Standard, Plus
  • Up to 10 Spaces sub-accounts
  • Free instant SEPA transfers and a free physical card
  • Customer support hotline
POPULAR

N26 Go

The debit card for everyday banking and travel

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Ash.
N26 You card, Teal.

€9.90/month

All benefits of N26 Smart, Plus
  • Free ATM withdrawals worldwide
  • Free instant SEPA transfers and a free physical card
  • Travel insurance

N26 Metal

The premium bank account with a metal card

N26 Metal - Charcoal Black.
N26 Metal - Slate Grey.
Quartz Rose - N26 Metal Card.

€16.90/month

All benefits of N26 Go, Plus
  • 18-gram metal debit card
  • Exclusive mobile phone insurance
  • Purchase protection
1 Exclusions and restrictions apply. For more information, please see the N26 Metal Allianz Assistance Insurance Product Information Sheet and N26 Metal Conditions for Beneficiaries. You can see all the information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for Beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France. Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language. Advertising message for promotional purposes. Please see the contractual documentation for more information in the Legal Documents Section.

FAQs

  • To open an N26 bank account, you must meet the eligibility criteria. If you do, you can simply register via the N26 WebApp on desktop or the N26 app on your smartphone. It only takes 8 minutes to open a bank account, and there’s no paperwork involved. You can start using your account right away once your identity is verified. For more information on how to open your N26 account, and a list of your required documents, visit our Support Center.

  • You’ll need to be at least 18 years old to open a bank account with N26.

  • In order to open a bank account with N26, you must have a government-issued ID. 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.

  • N26 Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account. However, if your balance is over €50,000, you may be charged a 0.5% p.a. Deposit Fee on this balance. Read more about this in our General Terms and Conditions. N26 Smart, N26 Go, and Metal premium accounts cost a monthly fee. For more information, visit our website to compare accounts.
Open bank account
Open bank account
Open bank account