No fees when you bank with N26 (Conditions apply).

No hidden fees

Yes, really. No minimum balance, no maintenance charges, and no foreign transaction fees when you use your N26 card overseas.

Sign up for a free account in minutes.

Fast sign up

Open an N26 account in 5 minutes directly from your phone. No long lines, no paperwork, no fuss. Anytime, anywhere.

Realtime notifications on all account activity.

Real-time notifications

We send you instant notifications on all account activity, including payments, withdrawals, and deposits.

Refer a friend and get a cash bonus with N26.

Refer a friend

Invite friends to open an N26 account using your referral code and you’ll receive a cash bonus when they sign up.

Instantly send, receive, and request money from your friends and family who bank with N26 using MoneyBeam.

Send and receive money

Instantly send, receive, and request money from your friends and family who bank with N26 using MoneyBeam.

Create custom tags and organize your finances in a way that makes sense to you.

Tag transactions

#weekend, #friends, #gift — Create your own personal tags to organize your transactions in a way that makes sense to you.

Finally, a debit card with Perks

Enjoy exclusive discounts and cashback offers from brands you love with your N26 card.

Read more about N26 Perks

Easily add money

We think banking should be fast and simple, which is why we've made it easier than ever to add money to your N26 account. Quickly transfer money from an external bank, or using another debit card right from the app.

How to add money to your N26 account

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.

Find out more about Spaces
Organize your money with Spaces.

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.

Get your paycheck earlier

Hate waiting for payday? Get paid up to 2 days earlier¹ with direct deposit. With N26, Wednesday is the new Friday.

Visa Card 800x514 (US).

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.

Security you can trust

Bank confidently

Your deposits are FDIC-insured up to $250,000 through our partner bank, Axos Bank®, Member FDIC, so you can breathe and bank easier.

Secure login keeps your N26 account safe and protected.

Secure login

Have a hard time keeping track of your passwords? Keep your account secure by logging in using fingerprint or face recognition.

Realtime support for your N26 account whenever you need it.

Real-time support

Need help? Don’t fret, we’ve got your back. We’re here for you whenever you need us via our in-app² chat or by phone or email.

Customize your spending limits so you never overspend.

Banking you control

Lock or unlock your card if it's lost, set spending and withdrawal limits, change your PIN number, and enable international spending instantly.


Are N26 accounts insured?

Yes! All deposits are FDIC-insured through our partner bank, Axos Bank®, Member FDIC.

No hidden fees? Really?

We mean it when we say that our goal is to make banking fast, flexible, and transparent. With N26, you can experience banking with no annual fees, no minimum account balance, no maintenance charges, and no foreign exchange fees when you shop using your N26 card while traveling internationally. You can review our fee schedule in detail here.

What should I expect from the sign up process?

Our identity verification process is done entirely through the N26 app and can be completed from your smartphone in just a few minutes. N26 analyzes various personal data points such as name, physical address, email address, and other relevant information to confirm the identity of each customer before an account can be opened. Once the identity is verified, the customer can then pair their phone with their account and can expect their new debit card in the mail.

What customer support does N26 offer?

If you have a question about your N26 account, we're here for you. Reach out using the in-app Chat Support feature or give us a call at 1-888-626-0626 or +1-888-N26-0-N26 from 9:00 am to 9:00 pm EST. Also feel free to reach out to us by email or on social media anytime.

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.

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

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.

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.