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.

App screen showing how to lock your card.

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?

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.

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!

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