#BankingWithBenefits: Make Your Money Go Further with N26

From cashback on everyday purchases to fast and secure cash-free payments, here’s how we make banking simple and rewarding.

4 min read

When it comes to relationships, sometimes it’s the little things that count. The special trips you take, the treat-yourself moments that make life so much sweeter, the dream projects you look forward to working on together. When you bank with N26, you’ll be able to take advantage of a constantly evolving set of features and rewards designed to help your money stretch further, and make the most out of your day-to-day spending. 

If you want the benefits of cashback without the commitment of credit...

Cashback programs can be confusing, and hard to navigate. Most are available through credit cards programs that can cost you hundreds in annual fees and interest charges. Other rewards programs are tied to complicated point systems, or confusing opt-ins, and offer promotions that aren’t exactly suited to your lifestyle. 

With N26, you can enjoy cashback directly into your N26 account when you shop, travel, dine out, get gas, or buy groceries at thousands of participating retailers nationwide. You’re automatically enrolled, so there’s no complicated opt-in process, no sneaky small print, or confusing redeeming systems to worry about. 

If you miss the thrill of coupon clipping...

To some clipping coupons might seem a retro concept, but we’ll always have a soft spot for this time-tested tradition. While electronic “coupons” have popped up all over the internet, finding useful deals can sometimes feel like more trouble than it’s worth.

N26 Perks gives you access to exclusive discounts from brands you know and love. Whether you’re trying to step up your kitchen game with boxes from HelloFresh, or looking to update your wardrobe with new gear from adidas, N26 is here for you. There are new discount partners all the time so you can check our site or app for the latest offers. 

If you find yourself counting the hours until payday...

You know that unpleasant feeling when it’s the first of the month and suddenly all your bills are due? The stress of not knowing if you’ll have enough money to pay everything on time can be overwhelming, and sometimes you need the peace of mind of knowing you have access to your money when we need it the most. 

With N26, you can receive your paycheck up to 2 days early¹ when you sign up for direct deposit with your account, giving you access to your money as soon as it’s available to us. And instant notifications will keep you informed of the moment the money hits your account.

If you like speed and convenience at checkout...

Life moves fast and you don’t always have time to dig around for your wallet in your bag or jacket or wherever it may be hiding. These days speed, convenience, and contactless security make all the difference when getting in and out of stores quickly and safely.

We designed N26 to give you access to your money in a way that fits your life, and that means banking that moves as quickly as you do. With N26 you can use Apple Pay® or Google Pay™ to quickly pay at millions of stores without having to swipe your card or insert your chip. You can also use Apple Pay® and Google Pay™ in-app, and online, to get added speed, security, and convenience at millions of retailers worldwide.

If you prefer banking with friends...

People are social creatures, and being able to split a meal, rent, or simply send someone money for a birthday coffee has become an essential part of our daily lives. Gone are the days of needing 3 different apps for budgeting, banking, and sending money to your friends and family. With N26, you can do all 3 right from our app. Transfer money instantly to anyone who banks with N26 – there are no fees, no delays before the money hits their account, and no need to juggle different payment apps. Friends don’t have an account? No problem! You can easily invite a friend right from the N26 app. Once they make their first purchase, you’ll earn a referral bonus, and they will receive money in their account too.

Bank better with N26

Finally, a 100% mobile bank account with no hidden fees. Plus free ATM withdrawals, cashback offers, and more.
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Open an N26 account from your phone in 5 minutes.

We want 2021 to be your best year yet, and what better way to make your money go further than with a giveaway? We’re giving away $500, and for a chance to win, all you have to do is follow a few simple steps.

Tell us your story. We want to know how N26 has helped your relationship with banking. Whether you’ve successfully stashed money away with Spaces or you’ve been able to cover an unexpected expense by getting your paycheck 2 days early¹, we want to know how we’ve helped you bank better.

For your chance to win $500², simply: 

  1. Follow us on social media — FacebookInstagram, or Twitter will do. (Or all three if you’re feeling competitive.) 

  2. Leave us a comment using the hashtag #BankingWithBenefits that explains how N26 has helped improve your relationship with banking and money management. 

  3. Tag a friend in your comment and make sure you both follow us. (More tags = more entries.)

N26's cashback offers are powered by Dosh. View our terms and conditions.

Apple and Apple Pay are trademarks of Apple Inc. For a list of compatible Apple Pay devices, see support.apple.com/km207105.

Google Pay and Google Play are trademarks of Google LLC.

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 Giveaway Conditions: Up to three entries allowed limited to one entry per tag on Facebook, Instagram, or Twitter. To enter, follow N26 on Facebook, Instagram, or Twitter, leave N26 a comment using the hashtag #BankingWithBenefits describing how N26 has helped improve your relationship with banking and money management, and tag an eligible friend. No purchase necessary. Open to legal residents of the 50 U.S. / D.C., age 18+, do not need to be an N26 customer. Void where prohibited. Employees of N26 Inc., Axos Bank, their respective affiliates, and the immediate family members of, and/or those living in the same household of each, are not eligible to enter. Giveaway will be closed 03/21/2021 at 11:59 p.m. EST. One winner will be randomly selected and announced 03/22/2021 at 2 p.m. EST, the winner and tagged friend must be following @N26US on one or more of the following social media platforms -- Facebook, Instagram, or Twitter -- and will be messaged directly over the social media platform used to enter. Winner will have 10 days to respond with a valid email address, otherwise they will forfeit their prize and another winner will be chosen at random from submissions. N26 will have 14 days to fulfill the prize after a valid winner has been selected and has provided an email address. Prize will be delivered to winners via email from GiftCards.com. Giveaway is not affiliated with Facebook, Instagram, Twitter, GiftCards.com, Visa, or Axos Bank. By entering, you consent to N26’s use of your social media posts made in connection with giveaway entries, in perpetuity, in any and all media now known or hereafter developed (including, without limitation, print, broadcast and Internet), for all legitimate business purposes including advertising and promotional activities without additional compensation, unless prohibited by law. Gift cards are considered miscellaneous income, and maybe reportable to you and the IRS on Form 1099-MISC.

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

N26 does not manage external links, and is not responsible for the content, links, products or services of these websites. Further, N26's privacy and security policies do not apply to external linked websites. Please consult the disclosures of any external linked websites for further information.

By N26

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