Spend and save your way with N26

We're here to help you change how you manage your money. Here's what you can expect from your free N26 debit card:

Get a free N26 debit card today.

No hidden fees

No monthly fees, no minimum balance, no overdraft fees, and no foreign transaction fees when you use your N26 card overseas.

Fast sign up

Open an account in 5 minutes directly from your phone. No long lines, no paperwork, and no credit check.

Spend safely

Your free N26 debit card protects you from unauthorized account charges with Visa®’s Zero Liability Policy.¹

Instant notifications

We send you notifications in real-time on all account activity so you always know what’s happening with your finances.

Get cashback on gas, groceries, travel, fashion and more

Automatically earn cashback when you pay with your N26 debit card at hundreds of participating businesses — no complicated points system, no fees, no fuss.

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

Read more about N26 Perks

Easily add money

We've made it easier than ever to add money to your account. Quickly transfer money from an external bank or using another debit card with just a few taps.

How to add money to your account

Get your paycheck earlier

Hate waiting for pay day? You can recieve your paycheck up to 2 days early² when you sign up for direct deposit using your N26 account.

More on early pay day with N26
Get paid early with N26.

Ditch ATM fees with N26

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.

Save money your way with Spaces

Moving into a bigger apartment. Getting out of debt. A trip to Thailand. No matter what your financial goals look like, you can achieve them your way with Spaces. Create a goal, set a savings target, and transfer money instantly with just a few taps.

Want to supercharge your savings? Round up purchases made with your debit card and automatically transfer the balance to your Spaces.

Find out more about Spaces

Spend smarter with N26 Statistics

N26 automatically categorizes your payments in real time, which means you can see how much you've spent each month on bills, bars, restaurants, groceries, utilities, and more.

Plus, with a clear overview of your upcoming recurring payments like rent and subscriptions, it’s never been easier to plan ahead and stay on top of your finances.

More on budgeting with N26

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


Your funds are FDIC-Insured through our sponsor bank, Axos Bank®, Member FDIC, certificate 35546.

Secure login

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

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-app³ chat or by phone or email.

Stay in 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. The N26 customer support team is available between 9:00am EST and 12:00am EST from Monday through Friday and from 9:00am EST until 9:00pm EST on Saturday and Sunday. Also feel free to reach out to us by email or on social media anytime.

Apple and Apple Pay are trademarks of Apple Inc. For a list of compatible Apple Pay devices, see support.apple.com/HT208531.

Google and Google Pay are trademarks of Google LLC. For a list of compatible Google Pay devices, see https://support.google.com/pay/answer/7643995?co=GENIE.Platform%3DAndroid&hl=en.

¹ Visa’s Zero Liability Policy covers U.S.-issued cards only and does not apply to certain commercial card transactions or transactions not processed by Visa. You must notify your card issuer immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

² 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.

³ 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.