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Mobile banking the world loves

Think banking can't be fast, flexible, and transparent? Think again. Open an account today to experience mobile banking the world loves.

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No hidden fees

Open an N26 account directly from your phone in 5 minutes and experience banking with no hidden fees. Yes, really — no minimum account balance, no maintenance charges, no insufficient funds fees, no problem.

Your money goals personalized

Whether you’re putting money aside for a new phone or a trip to Thailand, Spaces helps you visualize your short-term and long-term financial goals. Create personalized sub-accounts and instantly transfer money as often as you'd like.

Withdraw cash for free with N26.

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. With access to an expansive retail network including Target, Walgreens, CVS, Speedway, and Kroger, you'll never need to pay to withdraw cash again.

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

Get your paycheck earlier

Hate waiting for payday? Get paid up to 2 days earlier with direct deposit. With N26, Wednesday is the new Friday.²

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Banking you control

N26 puts control back where it belongs — at your fingertips. Control where, when, and how your card works with just a few taps. Lock or unlock your card if it's lost, set spending and withdrawal limits, and enable international spending all within the app.¹

Instant money mindfulness

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.

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Send and receive money instantly

Make instant, real-time transfers for free using MoneyBeam. Send and receive money from anyone who banks with N26.

Mobile banking the world loves

Thinking about opening an N26 account? Our new campaign focuses on all of the reasons 3.5 million customers across Europe bank with us. From transparency to peace of mind, here are just a few reasons the world loves banking with N26:

Explore the campaign
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Are you ready to experience mobile banking the world loves?

Open an account in 5 minutes directly from your phone to experience banking with N26.

¹ N26 does not charge for this service, but your wireless carrier may charge for data or messages.

² 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.

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.