Find the plan you’ll love
Standard
The free plan for your everyday banking needs.
Smart
The plan with intelligent features that help organize your money.- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
Go
The all-in-one plan for managing your money at home and on the go.
Metal
The premium plan for complete money management.- Metal debit card
- Mobile phone insurance and purchase protection
- Free airport lounge pass1
Standard
The free plan for your everyday banking needs.Smart
The plan with intelligent features that help organize your money.- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
Metal
The premium plan for complete money management.- Metal debit card
- Mobile phone insurance and purchase protection
- Free airport lounge pass1
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1 Airport lounge passes are available for purchase in the app.
2 Exclusions and restrictions apply. Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language. For more information, please see the Allianz Assistance Insurance Product Information Sheet (Metal | Go) and Conditions for Beneficiaries (Metal | Go). You can see all information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.
3 Purchase mobile plans in-app to enjoy affordable data in over 100 countries with your travel eSIM.
FAQ
- To open an N26 account, download the N26 app. Sign up by confirming your email address, verifying your ID directly in the app, and pairing your smartphone with your N26 account. To be eligible for an N26 account you must be at least 18 years old, living in one of these countries, and you must own a compatible smartphone.
- The standard N26 bank account is free — you won’t pay any opening or maintenance fees. No deposit or minimum income is required to open any N26 account. The N26 Smart account costs €4.90 per month, N26 Go costs €9.90 per month, and N26 Metal costs €16.90 per month.
- You must be 18 or over to open a bank account with N26.
- Your virtual debit card will be available as soon as you have successfully opened your N26 account. Add it to Google Pay or Apple Pay and start spending immediately. If you ordered a physical debit card, this will arrive via post. The duration depends on whether you selected standard or express delivery, and can take longer in some locations, up to 14 days.
- Yes. Give your N26 account IBAN to your employer so they can pay you directly to your account.