N26 Celebrates 1 Year in the U.S.

Over the past 12 months, we have worked hard to build a banking experience designed to make managing your finances personal and delightful.

4 min read

It’s a cause for celebration. 

One year ago today, N26 officially launched in the U.S. Over the past 12 months, we have worked to build a banking experience that is transparent, secure, and beautiful; designed to not just meet your day-to-day banking needs, but to make managing your finances personal and delightful. 

With nearly 500,000 customers in the U.S., you are at the heart of everything that we do; which is why our team has spent the past year collecting feedback and building features and services that you want most.

A beautifully simple banking experience 

According to a of 10,000 adults across Europe and the U.S. commissioned by N26, almost 75% of Americans used a negative phrase like “worried” or “nervous” to describe their feelings about their finances. To help overcome this stress, we started with

Whatever you need to do, we believe you should be able to do it right away with just a few taps. This is why earlier this year, we launched the Actions tab, with a clear design that’s simple and intuitive to use. Whether you need to find the nearest ATM to withdraw cash without paying a fee, lock or unlock your debit card, or instantly send money to a friend with MoneyBeam, this section of the app is always on-hand to help you perform any task. 

We also made to your N26 account easier than ever. You can now transfer money from an external bank directly from the app, move funds from an external debit card, or sign up for direct deposit and get paid up to two days earlier¹ than most big banks.

Making mobile banking secure and supportive

The coronavirus outbreak caught the entire world off guard, and stay-at-home and social distancing measures fundamentally changed the way we interact with our communities and our . Across the U.S. people have felt the strain and stress of the pandemic firsthand, and now more than ever, many have sought a banking solution that is transparent, reliable, and designed to help them take control of their finances. 

In response to the challenges that came with COVID-19, we accelerated our integration of Apple Pay and Google Pay, two of the most requested features for N26 in the U.S., to help ensure the safety of our customers and make contactless payments more convenient than ever before. We also bolstered our customer support team to help answer any account questions you might have, and to provide live in-app support to help with your specific situation.

A personal, rewarding way to manage your money

Seeking to create a banking experience specifically designed to fit your lifestyle, we continued to partner with exciting brands through our program, bringing you automated discounts and cashback right from the app. Over the past year we worked with brands like Headspace to help you put your mental well-being first, Booking.com, to allow you to explore the world for less, and Adidas to empower you to reach your goals, and look and feel your best. 

This past year has been anything but predictable, and we’ve seen your savings goals evolve and change, particularly as 2020 continues to unfold. At the beginning of the pandemic, we saw a 19 percent increase in Spaces created for house and apartment expenses, reflecting the shift to businesses shutting down and many Americans working from home. As travel restrictions kicked in, and social gatherings were put on hold, so were Spaces dedicated to saving for special occasions and travel. However, now that restrictions started to loosen up in some states, we’ve seen a in Spaces related to special occasions, showing that consumers across the U.S. have started to save with an optimistic eye towards the future. 

As we continue to build a banking experience designed with you in mind, we look forward to bringing new innovations and features to help empower your financial future. If you’re already an N26 customer, keep an eye out for our and social media channels for the latest news and updates. If you don’t have an account yet, from your phone in under 5 minutes to experience banking that millions around the world love to use.


To celebrate our 1 year anniversary, we’ll be giving away a $500 grand prize split between two lucky friends who will each get to take home $250. In order to enter, all you have to do is follow these steps below: 

1️. Follow @n26us on

2. Tag one friend who could also use some extra cash and make sure they follow us. More tags = more entries (max 5 comments)

3. Share what you plan to do with the extra cash using hashtag #HappyBirthdayN26US 

We’ll be selecting the winners randomly and winning parties will be notified by Sept. 14 via Instagram. 

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.

Giveaway Conditions: 1 tag = 1 entry. 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. and its 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 09/13/2020 at 11:59 p.m. EST. Two winners will be randomly selected and announced 9/14/2020 at 2 p.m. EST, the winner and tagged friend must be following @N26US on Instagram and will be messaged directly over Instagram. 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 prize after a valid winner has been selected and have provided an email address. Prize will be delivered to winners via email from GiftCards.com. Giveaway is not affiliated with Instagram, GiftCards.com, Visa, or Axos Bank. Gift cards are considered miscellaneous income, and maybe reportable to you and the IRS on Form 1099-MISC.

Related posts

Maybe some of these will interest you