The mobile banking experience the world loves

Join our waitlist to access N26’s 100% mobile account with zero hidden fees.

Get cashback when you spend with N26

Now you can automatically earn cashback on groceries, gas, travel, restaurants, fashion, and more with your N26 card.

Plus, unlock exclusive discounts from brands you love and save money on your favorite monthly subscriptions.

Explore Perks
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No hidden fees

With your N26 debit card, you can say goodbye to hidden fees. Yes, really — no minimum account balance, no overdraft fees, no maintenance charges, no insufficient funds fees, no problem.

Free cash withdrawals

Get unlimited free ATM withdrawals at over 55,000 locations across the US, Canada, Puerto Rico, Australia, Mexico, and the UK.

Out-of-network? No problem. Enjoy 2 additional free ATM withdrawals per month from any network, anytime, anywhere in the US.

Get paid early with N26 bank account — no fees, no problem.

Get paid early with N26

Get your paycheck up to 2 days early¹ when you sign up for direct deposit with your N26 account. Whether you’re stressed about an unexpected expense or just need a little extra cash for brunch, you can spend confidently with N26.

Save money faster with Spaces

Whether you’re saving for your next vacation or stashing money aside for rent and utilities, Spaces helps you achieve your long and short-term financial goals. Create personalized sub-accounts and transfer money instantly.

Fast-track your savings automatically by rounding up your purchases to the nearest dollar, and doubling or tripling the change directly into the goal of your choice.

Save money with N26 Spaces
Organize your money with Spaces.

Fast and secure cashless payments

Pay with your N26 card using Apple Pay® or Google Pay™ in-app, online, and in stores, and get added speed, security, and convenience at millions of retailers worldwide.

Join the waitlist

Are you ready to change the way you manage your money? Join our waitlist to access N26’s 100% mobile account with zero hidden fees.

Apple and Apple Pay are trademarks of Apple Inc. For a list of compatible Apple Pay devices, see support.apple.com/km207105.

Google Pay and Google Play are trademarks of Google LLC.

¹ Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

The N26 account is offered by Axos Bank®, Member FDIC. N26 Inc. is a service provider of Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. The N26 Visa® Debit Card is issued by Axos Bank pursuant to a license by Visa U.S.A. Inc. The N26 Visa Debit Card may be used everywhere Visa debit cards are accepted.