100% mobile, zero hidden fees

Our debit card isn't the only thing that's transparent. Join our waitlist today to access N26's 100% mobile account with no hidden fees.

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No fee bank account with N26.

A debit card designed to help you save

When it comes to managing your money, we don't believe in surprises. With N26, you can say goodbye to hidden 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.

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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 Space rules feature showing recurrent transfers.

No hidden fees.
Ever.

Sign up for our waitlist to access N26’s 100% mobile account with zero hidden fees.

Banking fee terms against red background.

In 2018 alone, customers at the top 5 U.S. banks paid a whopping one billion dollars in maintenance fees.

Banking with N26 is fast, free, flexible, and transparent.

We’re putting a spotlight on excessive withdrawal fees. Learn what they are and how to avoid them.

Common banking fees text on grey background.

Overdraft fees are common and costly. We’re breaking down the facts about them so you’ll have the information you need to avoid them.

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.