Banking with N26

Banking with N26 is fast, flexible, and transparent. Here are just a few of the reasons you’ll love your N26 account:

Mobile banking the world loves - open a free account now.

Save money on travel, wellness, fashion, and more

Finally, a debit card with Perks. Enjoy cashback on subscriptions from brands you know and love, and unlock exclusive discounts from our growing list of partners.

Save money with exclusive discounts and cashback with N26 Perks.

Add money to your N26 account

We think banking should be fast and simple, which is why we’ve made it easier than ever to fund your account.

  • Transfer money from an external bank directly from the app
  • Get paid up to two days early¹ with direct deposit
  • Use an external debit card to add money to your account for the first time

Free cash withdrawals

Get unlimited free ATM withdrawals at over 55,000 Allpoint locations across the US, Canada, Puerto Rico, Australia, Mexico, and the UK. Just open the app to find the nearest Allpoint ATM.

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

Visualize your financial goals

Personalize, track, and achieve your short and long-term financial goals with Spaces. Set a savings target, select an icon, and transfer money in or out of your Spaces instantly with just a few swipes.

Get your paycheck earlier

Hate waiting for payday? Get paid up to 2 days earlier with direct deposit. With N26, Wednesday is the new Friday.¹

Visa Card 800x514 (US).
N26 offers fast, secure payments with Apple Pay.

Fast and secure cashless payments with Apple Pay®

Now you can pay with your N26 card using Apple Pay in app, online, and in stores. It's easy to use, secure, and effortless.

Apple and Apple Pay are trademarks of Apple Inc. For a list of compatible Apple Pay devices, see

Are you ready to experience mobile banking the world loves?

Open an account in 5 minutes directly from your phone to experience banking with N26.

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.

² N26 does not charge for this service, but your wireless carrier may charge for data or messages.

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.