Mobile banking the world loves

N26 is officially live in the US. With 3.5 million customers across Europe and over 65,000 five-star reviews worldwide, here are just a few reasons you’ll love banking with N26:

N26 - Mobile Banking the World Loves.
N26 is Loved for Transparency.

Loved for transparency

Finally, banking the way it should be — no sneaky hidden fees, no maintenance charges, no minimum account balance, and no foreign transaction fees when you shop using your N26 card internationally.

Loved for early access

Do you hate waiting for payday? You can get your paycheck up to 2 days earlier with direct deposit.¹

Loved for goals

Dreaming about a trip to Thailand? A new bike? Tickets for a music festival? Achieve all your financial goals with Spaces. Create personalized sub-accounts, set a target, and transfer money instantly.

Discover Spaces >

N26 - Personalize your savings goals with Spaces.

Loved for security

Lock or unlock your card if it's lost, set spending and withdrawal limits to prevent overspending, and enable or disable international spending with just a few taps.

Loved for peace of mind

Achieve total money mindfulness with N26. We send you instant notifications on all account activity — including payments, withdrawals, and deposits — so you know what’s happening with your account in real-time.

A happy person wearing a turquoise jumper.

Loved for speed

Open an N26 account in 5 minutes directly from your smartphone — no long lines, no paperwork. Finally, banking that moves as fast as you do.

Open an N26 account in five minutes or less.

Even more reasons you’ll love banking with N26:


Friends who bank together stay together. With MoneyBeam, you can instantly send and receive money with anyone who banks with N26.


When you bank with N26, you’ll save money on select services and subscriptions that fit into your lifestyle, all chosen with you in mind.

Refer a friend, get paid

Share your referral code with friends and family and receive a cash bonus directly in your N26 account when they sign up.

Bank confidently

Your N26 account is FDIC-insured, which means your money is protected up to $250,000, so you can breathe and bank easier.

Real-time support

Have a question for us? We’re here for you whenever you need us via our in-app² chat and by phone or email.

Spending statistics

The N26 app automatically categorizes your transactions, creating a visual breakdown of your financial habits.

Behind the scenes

Love. Take a few seconds to think about what this word means to you.

Friends, family. Your dog, your cat. Your favorite song, or maybe even that perfect cup of coffee in the morning.

No matter what you normally associate with the word 'love', it’s probably not banking. Take a deep dive behind the scenes of our new campaign, and discover how we know you'll love N26.

Go behind the scenes >

Join the waitlist

Are you ready to change the way you manage your money? Join our waitlist to access N26’s 100% mobile account with zero hidden fees.

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.

² N26 does not charge for this service, but your wireless carrier may charge for data or messages.

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.