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.
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.

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.

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.

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 on brands you love 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.

Smartphone with the N26 Spaces open on it.

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 earlier¹ with direct deposit. With N26, Wednesday is the new Friday.

Visa Card 800x514 (US).
ApplePay screen open in the N26 app.

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

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.

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.