Security at N26

Keeping your money safe is our top priority. N26 is governed by the same laws and regulations as any other bank, and has been operating with a full European banking license since 2016. This means that your funds are protected up to €100,000 by the German Deposit Protection Scheme—and that your money and N26 bank account are secure. Learn more about the additional security measures that can keep your finances safe below.

Mastercard
App screen showing how to lock your card.
Phishing attempt.

What is phishing?

Phishing is when someone attempts to get your password or login details through fraudulent emails, text messages, or fake websites. To protect yourself from online fraud, avoid clicking on links in any suspicious emails or text messages. We'll never ask you for your password or PIN—if you’re ever in doubt, contact our N26 Support team before you proceed.

Digitization and financial crime: Our N26 commitment

Fighting cybercrime is a main focus for many banks, especially as online fraud has become more widespread. Want to find out more about how we keep your account safe every day?

Technology and security at N26

Want to find out more about more about cybercrime and how we deal with it at N26? Check out our blog!

Woman using a laptop.

N26's Complete Guide to Secure Online Banking

The complete N26 guide to banking safely online

Phishing 101 illustration with symbols depicting types of phishing attacks.

How to recognize and avoid 5 types of phishing attacks

Don’t get hooked by phishing. Learn everything you need to know about the common types of phishing hackers may use to steal your sensitive information.

Illustration of an open laptop with lock symbol and strong password.

How to make a strong password: 5 suggestions to help you beat hackers

You can use a password generator to create strong passwords, or you can follow some simple guidelines to create your own passwords and stay a step ahead of hackers.

Smartphone pairing

Pair your account to one smartphone at a time, ensuring that only you have access to your money.

Biometric authentication

Log in within seconds using a secure password—or via fingerprint identification and face recognition—and manage your bank account on-the-go.

3D Secure technology

Benefit from extra security against fraud, thanks to advanced 3D Secure (3DS)—an additional authentication step that protects your online purchases.

Discreet mode

With this innovative feature, you can blur your account balance with the swipe of your finger—great for using the N26 app in public.

Tailored security settings to keep you safe

Your N26 bank account comes with three-tier security measures that protect all your transactions, plus additional in-app features for extra peace of mind. Adjust your cash withdrawals and spending limits, and set restrictions on transactions made online or abroad. Reset your PIN, or lock your card to prevent any unauthorized access if you misplace it—and unlock it if you find it again!

App screen showing customizable settings.
Computer screen and wi-fi password.

Tips for extra security, every day

Your N26 account comes with advanced security settings to keep your money safe. Still, it’s important to stay vigilant and protect yourself. Never write down your passwords or PIN, only log into your N26 account on your own devices, and avoid using a public WiFi connection. Make sure your computer has up-to-date anti-virus software and that you’re always using the latest version of the N26 app. Want to learn more? Read our Complete Guide to Secure Online Banking.

Download the guide

Instant push notifications

With real-time push notifications, stay up-to-date with your incoming and outgoing payments—and always know what’s happening with your account.

App screen showing a push-notification.

Security at N26

What do I need to open a free bank account with N26?

You must meet the following requirements to open an N26 Standard free bank account:

  • Be over the age of 18
  • Live in an eligible country
  • Have your own smartphone
  • Not yet have an online account with N26
  • Have a valid ID

Find more information about opening an account here.

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.

Does N26 offer an Italian IBAN?

Yes, as of March 26, 2020 all N26 accounts opened in Italy come with an Italian IBAN. Alongside being able to have your salary credited to your account, your N26 account’s Italian IBAN lets you manage your subscription, your utilities and all your expenses from one simple app. Open your N26 account now and discover all the advantages of the Italian IBAN right away.

How can I increase my online banking security?

Alongside your bank account’s advanced security features, you can take further steps to increase your online banking security. Never write down your passwords or PIN, only log into your account from a device you trust, and only via a secure WiFi connection. Additionally, to protect yourself from online fraud, avoid clicking on links in emails or text messages that seem suspicious. For more information on how to spot fraudulent behavior—and maintain your online banking security—take a look at our Security guide.