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:
Fast sign up
Open an N26 account in 5 minutes directly from your phone. No long lines, no paperwork, no fuss. Anytime, anywhere.
No hidden fees
Yes, really. No minimum balance, no maintenance charges, and no foreign transaction fees when you use your N26 card overseas.
We send you instant notifications on all account activity, including payments, withdrawals, and deposits.
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.
Send and receive money
Instantly send, receive, and request money from your friends and family who bank with N26 using MoneyBeam.
#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.
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
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 support.apple.com/km207105.
Security you can trust
Your deposits are FDIC-insured up to $250,000 through our partner bank, Axos Bank®, Member FDIC, so you can breathe and bank easier.
Have a hard time keeping track of your passwords? Keep your account secure by logging in using fingerprint or face recognition.
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.
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.
Yes! All deposits are FDIC-insured through our partner bank, Axos Bank®, Member FDIC.
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.
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.
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.