Hidden fees? Not our thing.
Save your cash with a free virtual card, two free ATM withdrawals a month, plus free card payments worldwide.
Your money, your control
Pay friends back in seconds, balance your bills, and set spending limits to keep it all in check.
Future-proof your finances
Make your first steps towards financial independence with savings*, crypto** and free stock and ETF trading***.Investing involves risk of financial loss.
Set it up between classes
Open your free account from your phone and use your virtual card right away.
*Instant Savings Account is subject to the Terms and Conditions, available here: https://n26.com/en-fr/legal-documents/n26-bank-ag-french-branch-french-iban/instant-savings. Interest rates may vary depending on your plan and over time. Interest earned is taxable under French law. Interest is accrued daily and paid into your Instant Saving account on the first day of each month.The returns depicted are fictional and for illustrative purposes only. The illustration and statements do not constitute investment advice. Stocks and ETFs
**Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. A return equal to the money spent is not guaranteed and a complete loss of the money spent is possible at any time. Past performance is not a reliable indicator of future performance. Make sure you have sufficient knowledge before proceeding with any transaction. Service of reception and transmission of orders of digital assets provided by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v), Digital Asset Service Provider registered with the French Financial Market Authority under the number E2023-076 and with the Austrian Financial Market Authority under the number FN423018k.
***Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements. All investments carry a risk of capital loss.Stocks and ETFs can be subject to high fluctuations in value. The invested amounts are not guaranteed, and a total loss of your investment is possible at any time. Past performance is not a reliable indicator of future performance. Ensure you have sufficient knowledge before making any transactions. Service of reception and transmission of orders for financial instruments (stocks and ETFs) provided by N26 Bank SE, a public limited company under German law with a share capital of 120,000 euros, Voltairestr. 8, 10179 Berlin, Germany, CR Berlin Charlottenburg HRB 271697 B in partnership with Upvest Securities GmbH, a limited liability company under German law with a share capital of 25,000 euros, Schlesische Straße 33/34, 10997 Berlin, Germany (execution and custody). These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks and ETFs. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks and ETFs. Stocks and ETFs can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. A portfolio transfer of fractional shares and ETFs is not possible, so a non-intended sale may be necessary. The numbers of available Stocks and ETFs can vary per market.
FAQ
Yes! We’re a digital bank with a full German banking license and millions of customers across 24 countries.
By law, the funds in your account are protected up to €100,000 through the German Deposit Protection Scheme. We’re fully hosted in the cloud and use artificial intelligence to fight financial crime and card fraud. We also secure every transaction with passcodes and Face ID or Touch ID technology, as well as confirm every customer’s identity when opening an account. Learn more about our security here.
You’ll need government-issued ID, for example, a passport. You'll also need a smartphone to use your account, and must be a resident of a country we operate in.
The N26 Standard bank account is free and there are no opening or maintenance fees. N26 Smart costs €4.90 per month, N26 Go costs €9.90 per month, and N26 Metal is €16.90 per month. No deposit or minimum income is required to open an account.