The first bank you'll love

Bank, save, and invest in one beautifully
simple app trusted by millions.

Bank for free — with no hidden fees

Open your account in minutes and enjoy 100% mobile banking. Get a free virtual card and monthly ATM withdrawals.
Open an N26 Standard account
A smartphone screen displays the N26 banking app's home page, showing the account balance and recent transactions.

Score free virtual cards

Kick-off starts here! Bring the stadium energy straight to your wallet — only until July 20.*
A smartphone screen displays a fan-shaped stack of four N26 Mastercard virtual debit cards with football-themed designs, set against the background of a blurred football stadium.

Make your money work harder

Open a new N26 Metal account and earn 1.5% annual gross interest rate1 with Instant Savings.Looking for a higher yield? Discover our flexible cash fund and earn up to 2.14% p.a.2 Capital at risk.
Discover Instant Savings
A person holds a smartphone, displaying the N26 banking app with an active interest-earning account showing a balance of €2,005.62.
A flexible cash fund is not a deposit, it is an investment that carries a risk of capital loss. The variable rate shown reflects information provided by the fund manager as of 11/06/2026, and is subject to daily changes. Your investment can go up and down. Past performance is not a reliable indicator of future results.

Free stock and ETF trading

Trade stocks and ETFs for free3 and explore 400+ crypto coins4. Then put it all on autopilot with our free savings plans. You can also invest with a PEA5 to enjoy income-tax-free gains.
Start investing
Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.

The card made for travel

Get cashback6 on travel, the best exchange rates, and airport lounge access. Travel stress-free thanks to free ATM withdrawals abroad and insurance — included with N26 Go and Metal.
Open an N26 Go account
A vertical stack of four N26 Mastercard debit cards in different colors including transparent, grey, teal, and black, floating against a dark teal gradient background.

Choose your plan

Find the N26 plan that's best for you and open your account in minutes
Compare plans
*The new limited-edition virtual cards can be activated at no extra cost. Up to six virtual cards can be activated at one time. Football virtual cards are only available from June 11 until July 20, 2026. 1 Deposits into N26 Instant Savings accounts earn interest at an annual gross nominal rate of 1.50% with N26 Metal, 0.55% with N26 Go, and 0.25% with N26 Smart and N26 Standard from 11/06/2025 onwards. These may be subject to change at any time by N26. Interest is taxable and subject to social security contributions. Reserved for non-Business customers of N26 Bank SE, Succursale France. The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. 2 The variable annual return rate shown 2.14% is presented net of fees and reflects information provided by  the fund manager, Fidelity International, as of 11/06/2026. This rate is subject to change on a daily basis based on market conditions. All investments carry a risk of capital loss. A flexible cash fund is not a guaranteed investment, and a total loss of your investment is possible at any time. Investing in a flexible cash fund differs from an investment in deposits. The capital invested may fluctuate. The flexible cash fund does not rely on external support to guarantee its liquidity or to stabilize its net asset value per share. Before investing, please assess your financial situation carefully and consider seeking independent advice, review as well the Key Information Document (KID) and our full Terms & Conditions.The statements on this landing page do not constitute financial advice. The values depicted are fictional and for illustrative purposes only. Service of reception and transmission service for financial instruments by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Execution and securities custody by Upvest Securities GmbH (Schlesische Straße 33/34, 10997 Berlin, Germany, HRB 232445 B). Fund issued and managed by Fidelity (RCS B88635). A flexible cash fund is a regulated investment product managed by Fidelity. The fund carries a low risk rating of 1 out of 7 and has a suggested minimum holding period of six months. As with all money market funds and other investments, there are inherent risks, including market, liquidity, and volatility risks. When you withdraw from a flexible cash fund, you instruct us to sell your shares in the underlying money market fund. The proceeds from this sale may take up to 2 business days to reach your account. T&Cs apply. 3 Investments in stocks and ETFs carry a risk of capital loss. N26 Stocks and ETFs is provided by N26 Bank SE in partnership with Upvest Securities GmbH. Learn more N26 Stocks and ETFs on this page. Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements. 4 Investments in digital (crypto) assets carry a high risk of total or partial loss of capital due to the specific volatility of digital asset prices and cybersecurity risks. N26 Crypto is provided by N26 Bank SE in partnership with Bitpanda GmbH. Learn more about risks and N26 Crypto on this page. 5 All investments carry a risk of capital loss. The PEA account is managed by Upvest Securities GmbH. N26 Bank SE provides reception and transmission of orders and PEA account access through the N26 app for customers of N26 Bank SE with a German IBAN, and of the French Branch of N26 Bank SE with a French IBAN. Learn more on: https://n26.com/en-fr/pea. 6 Eligible spending: Detailed T&Cs for customers who sign up before July 17 and after October 15 can be found here: https://n26.com/hb-ex

  • N26 is the first 100% mobile bank to be granted and operate with a full German banking license from BaFin. That means your money is fully protected — both in your bank account and Instant Savings account — up to €100,000 by the German Deposit Protection Scheme. We currently operate in 24 markets worldwide and have over 8 million customers.

  • N26 has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customer's online payments is always guaranteed.

  • As a bank, N26 is supervised by the Federal Financial Supervisory Authority (BaFin). Our clients' funds are guaranteed up to €100,000 by the German Deposit Protection Scheme. In addition, the N26 app has many features to ensure the security of its users' bank accounts and data.

  • To open an N26 account, you must be over 18 years old and reside in France. You also need to have a compatible smartphone. You’ll be asked to provide a valid form of ID as well as valid proof of residence.

  • In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved — just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.

  • The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, the N26 Go bank account costs €9.90 per month, and the N26 Metal account is available for €16.90 per month. To open an N26 account, no deposit or minimum income is required.

  • You can open your mobile N26 account online in minutes from your phone or the N26 website — no paperwork or waiting times. But best of all: Once your N26 bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.

  • From 29/06/2023, all N26 customers who open a bank account automatically get a RIB with a French IBAN, i.e. an IBAN beginning with the letters 'FR'.

  • To view your N26 IBAN in the N26 mobile app, head to the 'My Account' section via your initials in the top right corner of the 'Home' tab. From there, you can easily copy and paste your IBAN and share it. To download your N26 RIB, head to the N26 web app.