Adding money to your account is an important first step to enjoying all the benefits and perks that come with your N26 card. That’s why we’ve developed a number of ways to make account funding fast, simple, and fee-free: from receiving your paycheck via direct deposit to get paid up to two days early¹, to funding your account from your external bank accounts, to using your favorite payment services like Cash App and Venmo, and even topping up quickly with an external bank debit card when you first sign up.
No matter if you’re a first time user, or a long-term customer, there are many ways to make sure your N26 account stays funded, giving you peace of mind.
External bank transfer
You can quickly and securely transfer funds directly from another bank account right from inside the N26 app. Just head to the “Actions” tab on the lower right side of your screen, tap on “Add money” and “External bank transfer.” If you’ve never linked an external bank account, follow the prompts, enter your external bank login information, and select the account you’d like to link.
From there, just enter the transfer amount, your Confirmation PIN, and confirm the transfer. You’ll be notified when your external bank transfer is complete - which takes 5 business days on average.
The easiest and most seamless way to keep your account funded, direct deposit allows you to receive your paycheck to your N26 account. Simply provide your employer with our routing number (122287675), and your N26 account number. Your account number is easily accessible in the app under the “My Account” menu.
If you need a direct deposit form, click here.
Debit card transfer
If you’ve never funded your N26 account before, you can instantly transfer money using another debit card right from the app. This is the fastest and simplest way to fund your account with a free one-time top up right from the app.
Keep in mind that this option is only available to customers that haven’t funded their N26 account. When you finish your sign up in the app, you will be prompted to add funds and you can select “Debit card transfer” and follow the instructions.
If you’re an avid Venmo, Cash App, or PayPal fan, we’ve got good news for you! You can send money to your N26 account using your favorite payment app. Keep in mind that general transfer guidelines, fees, and transfer times vary by service.
You can instantly get money from friends and family with an N26 account using MoneyBeam. This is the most seamless way to send and receive funds to and from your contacts or even add money to your account for the first time. Your friends and family can send you money by going into their N26 app in the “Actions” tab and selecting “Send Money” enter your contact information, enter an amount, and hit “Send.”
Open an N26 account in just 5 minutes and discover banking designed for your modern lifestyle.
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.
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.