No hidden fees, no problem

Everyone loves surprises… except when they’re from your bank. Open an N26 account directly from your smartphone and experience banking with no hidden fees.

No minimum account balance

Yes, really — no minimum daily or monthly account balance requirements. Welcome to banking without baggage.

No maintenance fees

Most big banks charge anywhere between $12 and $20 per year to maintain your account. We don’t.

No foreign exchange fees

Spend on experiences, not fees. Shop using your N26 card while traveling abroad and enjoy no foreign transaction exchange fees.

Coming soon: Free ATMs

Your cash, your terms. Enjoy 2 free ATM withdrawals* anywhere in the US. Any time, any network, anywhere in the US.

*Feature will be available as part of our forthcoming public launch later this summer.

Fast, flexible, and transparent

Transparency is one of our guiding principles here at N26. Here's an overview of what you can expect from your N26 account:

Fee	Price
Minimum account balance	$0
Monthly service fee	$0
Foreign transaction fee	0%
Account closure fee	$0
Insufficient funds	$0
ATM withdrawals (Domestic)	$0 fee on first 2 ATM withdrawals; $2 N26 fee on all withdrawals thereafter*
ATM withdrawals (International)	$2 + 2.00% of total withdrawal amount*
Non-ATM Cash (Withdrawing cash from your N26 account from a teller at bank)	$0**
Replacement card fee (Standard shipping)	$5
Legal process fee	$100

*Fees from the ATM owner still apply
**Fees from non-Axos Banks still apply

Lost your card?

Can't live without it? Don't worry — we got you. We can expedite shipping or send your card overseas for $30. In the meantime, you can prevent any funny business by freezing or unfreezing your account within the app.*

Questions about fees?

You can contact us any time you have a question about your N26 account using the in the in-app Chat Support feature. Also feel free to give us a call at 1-888-626-0626.

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

Are you ready to change how you bank?

Open an N26 account from your phone or computer in an easy, paperless, 5-minute signup process.

Open an N26 account

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.