Open your N26 Smart account

No maintenance fees and a €50 bonus for you

There has never been a better moment to discover N26, the 100% mobile bank.

Open your N26 Smart salary account until September 30, 2021 and get a €50 bonus and a free membership for life!

✓ Free N26 Mastercard debit card
✓ Unlimited free ATM withdrawals in the eurozone
✓ Free instant SEPA bank transfers
✓ Deposit cash at 1000+ supermarkets in Italy
✓ 10 sub-accounts for personal and shared banking
✓ We'll cover your stamp duty until December 31, 2021

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Image of a mobile phone showing a subaccount on the screen and a black debit card in the side with Forbes best bank logo.
N26 Smart card in Slate.

Enjoy N26 Smart for free—save €58.80/year

How does it work?

  1. Open your new N26 Smart bank account with the promo code N26ZEROSPESE until September 30, 2021
  2. Deposit at least €700 into your account each month
  3. Use your N26 Mastercard at least once a month.

That's it! For every month you deposit your salary, we'll waive the €4.90 monthly membership fee—and we'll even cover your stamp duty until December 31, 2021! That's some smart saving, all year round.

Pay and get paid like a local with an Italian IBAN

Your N26 Smart bank account comes with a local Italian IBAN, so you can:

  • Get your salary paid directly into your bank account
  • Pay household utility bills (water, electricity, gas)
  • Easily receive local and international bank transfers
  • Manage subscriptions and direct debits—all in the N26 app
Picture of the Milan Cathedral.
N26 Standard card, N26 You rhubarb card, premium N26 Metal card with Forbes Best Bank Logo.

Get your €50 bonus now

  1. Open an N26 Smart account using the promo code N26ZEROSPESE during sign-up by September 30, 2021
  2. Spend at least €20 with your new N26 Mastercard
  3. We'll send a €20 bonus to your account!

If you deposit at least €700 per month into your N26 Smart account from October 1 to December 31, 2021, you'll receive an extra €30 bonus!

Customer Support via phone and chat

Need assistance? N26 Customer Support is always here to help in Italian, English, French, Spanish and German—24/7, 365 days a year. Contact our N26 specialists via the chat in your N26 app, or simply give us a ring on the customer support hotline—reserved only for premium customers, including N26 Smart customers.

A list of payments methods available in Italy.

Skip the queue and pay from your N26 app

Discover the 100% digital bank account that makes your life easier. Pay your Italian car tax, PagoPA, MAV and RAV directly from your N26 app—anytime and anywhere.

You can even top up your mobile phone with a few taps—just open the N26 app and follow the steps to top up in seconds.

Your safe and secure digital bank account

Mastercard 3D Secure

Shop online with peace of mind thanks to Mastercard 3D Secure—the two-factor authentication step that protects your online payments.

Push notifications after every transaction

Receive instant alerts on your smartphone for all activity in your bank account—track your card payments, ATM withdrawals, direct debits, and incoming transfers.

Log in with biometric authentication

Keep your banking logins extra secure by using FaceID or fingerprint identification to verify your identity.

Full control of your security settings

Lost your card? A few seconds is all it takes to stay secure. Lock or unlock your card, change your PIN, and order a new card in just a few taps from your N26 app.

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FAQs

Which countries is the N26 Smart offer available in?

This offer is available to new N26 customers in Italy.

When is the N26 Smart offer valid from and when will it end?

This offer runs from September 6, 2021 until September 30, 2021.

How can I access the N26 Smart offer?

To access this offer, simply open your N26 Smart account until September 30, 2021 and enter the promo code N26ZEROSPESE under ‘Promotions’.

Then, simply credit your salary or transfer at least €700 (per transfer) into your new N26 Smart account every month and use your N26 Mastercard at least once a month. We'll credit your monthly membership fee by the 10th day of the following month.

To get your €20 welcome bonus, simply spend at least €20 with your new N26 Mastercard. You'll receive the €20 bonus within 60 days after the eligible transaction. If you credit at least €700 (per transfer) to your N26 Smart account every month from October 1 to December 31, 2021, you'll receive an extra €30 bonus by January 31, 2022.

When will I get the bonus on my N26 Smart account?

Simply spend at least €20 with your new N26 Mastercard to get a €20 welcome bonus within 60 days after the eligible transaction. Then, if you credit at least €700 (per transfer) to your account every month from October 1 to December 31, 2021, you'll receive an extra €30 bonus by January 31, 2022.

Can I use N26 as my main bank account?

Yes, N26 offers a range of services and benefits designed specifically for our customers in Italy. If you'd like to use your N26 account as your main bank account to receive your salary, simply provide your N26 bank details to your employer. For more information, check out this page.