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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:

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Fast sign up

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

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No hidden fees

Yes, really. No minimum balance, no maintenance charges, and no foreign transaction fees when you use your N26 card overseas.¹

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Real-time notifications

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

Free ATM withdrawals

Enjoy two no-fee ATM withdrawals per month — anytime, any network, anywhere in the United States.

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N26 Perks

From entertainment to to exercise, save money on subscriptions and services that fit into your lifestyle.

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Tag transactions

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

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.²

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.

Send and receive money instantly

Make instant, real-time transfers for free using N26 MoneyBeam. Send, receive or request money from anyone who banks with N26.

Security you can trust

Bank confidently

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

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Secure login

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

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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.

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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.

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FAQs

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.

¹ Fees still apply for international ATM withdrawals.

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.