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N26 Is Now Available to Everyone in the US

It’s our biggest milestone of 2019 so far.

N26 has gone live in the United States today. Yes — mobile banking the world loves is now fully available to US customers. Our mission is to give people the power to live and bank their way. We achieve this by eliminating physical branches, paperwork, and hidden fees and by offering a beautiful, intuitive user experience. Right now, you can open an account in 5 minutes at no cost and experience for yourself why 3.5 million customers across Europe bank with us.

Last month, we invited 100,000 users from our waitlist to download our app and open N26 accounts. When we announced the beta version of our product, we promised there'd be more exciting updates to come — and we kept our word. Here’s an overview of the new features you can enjoy starting today:

Introducing N26 Perks

We designed N26 to seamlessly support the way you live everyday, and we took that same approach when developing our new perks program. Now you can save money on your favorite monthly subscriptions when you pay using your N26 account.

We’re launching N26 Perks with a few early partners, including music streaming platform Tidal, on-demand fitness app Aaptiv, Luminary, a podcast streaming service with over 40 original programs, and Blinkist, an app that summarizes nonfiction books into digestible 15-minute summaries. Stay tuned, as we’ll be continuously adding new partners over the coming months.

Refer a friend, get rewarded

Friends who bank together stay together. When you sign up for an N26 account, you'll find a unique referral code within the app¹ that you can share with your friends and family. For each person who opens an account via your referral code, you could earn a $10 cash bonus deposited directly into your N26 account, and your friend could be rewarded with a $5 bonus once they activate their card and use it to make a qualifying purchase. You can learn more about the program on our website.

Send money instantly

Once your friends have opened N26 accounts, you’ll be able to send and receive money with MoneyBeam. Whether you’re splitting bills with your roommate or paying a friend back for dinner, MoneyBeam allows you to instantly transfer and receive funds using nothing more than your N26 contacts list.

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What’s ahead

We’ll be introducing even more features over the coming months, including additional perks partners and our premium metal cards. We’re also launching our first national campaign, which means you might start to see us around your city. Can’t wait? Follow us on Facebook and Twitter for sneak previews of everything that we’re working on.

Still feel like N26 isn’t for you? We get it, trying new things isn’t always easy. But with N26, it is. Here are just a few features that we’re loved for:

Do you hate waiting? You can open an N26 account today in just 5 minutes directly from your phone — no long lines, no paperwork, no fuss.

Tired of being burned by fine print? Bank with N26 and say goodbye to hidden fees. Yes, really — no maintenance charges, no minimum account balance, no insufficient funds fees, and 2 free domestic ATM withdrawals per month — anytime, anywhere, any network.

Big money goals? Easily organize your finances with Spaces. Set savings targets and transfer money instantly with just a few taps.

Can’t wait for payday? Get your paycheck up to 2 days earlier with direct deposit.²

Clarity seeker? We send you a push notification immediately after all account activity, including card and mobile payments, ATM withdrawals, deposits, and transfers, so you always know what’s happening in your account.

Travel often? Whether you’re relaxing on the beaches of Greece, sampling Bangkok’s best street food, or walking the cobblestone streets of Rome, enjoy no foreign transaction fees in any currency when you shop using your N26 card.

Are you ready to experience mobile banking the world loves? Open an account in 5 minutes to experience banking with N26.

¹ N26 does not charge for this service, but your wireless carrier may charge for data or messages.

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.

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.

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