N26 Standard
The free account for your everyday banking needs
Virtual Card
€0.00/Month
N26 Standard
The free account for your everyday banking needs
Virtual Card
€0.00/Month
These insurances are only available for customers who opened an account after November 13, 2019 and/or renewed their membership from January 10, 2020. For more information on the Allianz Assistance insurance coverage, please see the Terms and Conditions for N26 You, N26 Business You, N26 Metal or N26 Business Metal.
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Personal Bank Account FAQ
You can open a N26 account if you’re at least 18 years old, living in one of these countries, and own a compatible smartphone. To start the sign-up, simply create an account in the N26 app or on the N26 website and confirm your email address. You can then introduce yourself with your ID directly in the app and then pair your smartphone with your account.
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 You bank account costs €9.90 per month and the N26 Metal account is available for €16.90 per month, with a 12-month commitment period. To open an N26 account, no deposit or minimum income is required.
Anyone 18 or over residing in one of our 25 markets can open a bank account. N26 accounts are a great option for your first bank account, offering intuitive mobile features designed to help you save and spend with confidence. If your child is about to turn 18, check out our bank account options to find the one that’s right for them!
Once you have successfully completed the N26 account sign-up process, you will immediately have access to your virtual N26 debit Mastercard on your smartphone. Link this to Google Pay or Apple Pay to start spending immediately. If you ordered a physical card or your account includes one automatically, this will typically arrive via post in 5 to 7 business days.
No. At the moment, it’s not possible to have two N26 bank accounts at the same time. If you have a personal N26 bank account and wish to open an N26 Business bank account, you will first need to close your personal N26 account.