100% mobile banking, zero hidden fees

Think banking can't be fast, flexible, and transparent? Think again. Open an N26 account to experience banking with no hidden fees.

Enjoy no hidden fees when you bank with N26.
No fee bank account with N26.

A bank account designed to help you save

Everyone loves surprises… except when they’re from your bank. With N26, you can say goodbye to hidden bank fees.

  • No monthly fees
  • No annual fees
  • No overdraft fees
  • No foreign transaction fees
  • No maintenance fees
  • No minimum balance requirement
  • No inactivity fees

You can review our fee schedule in detail here.

Free cash withdrawals

Get unlimited free ATM withdrawals at over 55,000 Allpoint® locations across the US, Canada, Puerto Rico, Australia, Mexico, and the UK.

Out-of-network? No problem. Enjoy 2 additional free ATM withdrawals per month from any network, anytime, anywhere in the US.

Spend on experiences, not fees

Enjoy no foreign transaction fees when you shop using your N26 card overseas. Meet your favorite new travel companion. Bon voyage!

Save for your goals, ditch the fees

If you’ve ever put money into a traditional savings account, you might've encountered monthly maintenance fees, excessive withdrawal fees, a minimum balance requirement, or perhaps all 3.

We don’t think you should have to spend money just to save money. With Spaces, you can take money from your main account and set it aside for whatever you need — zero fees, zero commitments, 100% flexibility and personalization.

More on saving money with N26 Spaces
N26 customer reviews.

No hidden fees. Ever.

Don’t take our word for it. With 7 million customers across the U.S. and Europe and over 65,000 five-star reviews worldwide, open an account in just 5 minutes and experience the 100% mobile bank account the world loves.

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.

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.