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.
Flexible Payment Period - Icon - N26 Credit.

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

Loan Comparison - Icon - N26 Credit.

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

Whole Account Coverage - Icon - N26 Black.

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

German Lessons - Icon - N26 Careers.

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

Send Money with N26  - N26 App.

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

Transaction Tagging - Icon - N26 App.

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

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.

Instantly add money to your account

Ready to get started with N26? Use a debit card to instantly fund your account right from the app. You can also add money to your account using your favorite payment services such as Venmo, Paypal, or CashApp.

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).

Security you can trust

Your N26 account is FDIC-insured, which means your money is protected up to $250,000, so you can breathe and bank easier.

Secure Touch ID - Icon - N26 Apple Pay.

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

Credit Request - Icon - N26 Credit.

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.

Apple Pay Security - Icon - N26 Apple Pay.

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

We track your spending so you don’t have to

Ever wonder where all your money goes each month? Wonder no more. The N26 app automatically categorizes your purchases, creating a simple visual breakdown of your spending habits.

Bank Account Overview on Your phone - N26 Bank Account.

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.