Mobile banking the world loves

Say goodbye to prepaid cards and hello to money management made simple. Sign up for a free N26 debit card and experience banking without hidden fees.

Free N26 account vs Prepaid Cards.

Why N26?

Are you ready for a new way to manage your money? Here are just a few reasons millions of customers around the world love banking with N26.

Why N26?
No credit check
No hidden fees x
Free ATM withdrawals x
Get paid up to 2 days early¹ with direct deposit x
Cashback offers x
Contactless payments with Apple Pay® and Google Pay™ x
Protection on your account balance up to $250,000 x
Purchase protection with Visa's Zero Liability policy x
Instant notifications on account activity x
Lock your card if its lost x

No hidden bank fees

Unlike many prepaid cards and checking accounts, N26 cards have no overdraft fees, monthly balance requirements, or maintenance fees.

Sign up in 5 minutes

Yes, that’s right — no paperwork, no fuss, no problem. Open an N26 account in 5 minutes directly from your smartphone.

Get paid early

Get paid up to 2 days early¹ when you sign up for direct deposit to your N26 account.

No credit check

Opening an N26 account is fast, free, secure, and will not impact your credit score.

Free ATM withdrawals

Enjoy fee-free ATM withdrawals at over 55,000 locations around the US, Canada, Puerto Rico, Australia, Mexico, and the UK.

Contactless payments

Forgot your wallet? Don’t sweat. Enjoy fast and secure contactless payments with your N26 card using Apple Pay® and Google Pay™.

Save money with a single swipe

Whether you’re stashing money aside for a new apartment, tickets to a music festival, or just for a rainy day, Spaces helps you organize and achieve your financial goals your way.

Set a target, choose an icon, and transfer money in or out of your Spaces instantly for free — no minimum balance required.

Explore N26 Spaces

Enjoy cashback and discounts from brands you love

Enjoy cashback on subscriptions from brands you know and love, and unlock exclusive discounts on fashion, travel, wellness, entertainment, and more. Welcome to banking with benefits.

See N26 Perks partners

Security at your fingertips

Security is at the heart of everything that we do. Here’s how we keep your money and information safe at N26:


Your deposits are FDIC-insured up to $250,000 through our partner bank, Axos Bank®, Member FDIC, so you can breathe and bank easier.

Lock your card instantly

Lock or unlock your card instantly with just a few taps if you lose your card or spot a transaction you don’t recognize.

Instant notifications

Track your balance in real-time with N26. We send you instant alerts on all payments, withdrawals, and deposits.

Your purchased, protected

N26 customers are protected from fraudulent purchases with Visa's Zero Liability policy, so you can spend with peace of mind.²

Are you ready to change how you bank?

Open an N26 account today directly from your smartphone — no hidden banking fees, no paperwork, no problem.

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 Visa’s Zero Liability Policy covers U.S.-issued cards only and does not apply to certain commercial card transactions or transactions not processed by Visa. You must notify your card issuer immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

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.