Find the plan you’ll love
Standard
The free plan for your everyday banking needs.Free
Smart
The plan with intelligent features that help organize your money.€4.90/month
Everything in Standard, plus
- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
BEST FOR TRAVEL
Go
The all-in-one plan for managing your money at home and on the go.€9.90/month
Metal
The premium plan for complete money management. €16.90/month
Everything in Go, plus
- Metal debit card
- Mobile phone insurance and purchase protection
- Free airport lounge pass1
FREE ACCOUNT
Standard
The free plan for your everyday banking needs.Free
ENJOY MORE CONTROL
Smart
The plan with intelligent features that help organize your money.€4.90/month
Everything in Standard, plus
- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
BEST FOR TRAVEL
OUR TOP RATES
Metal
The premium plan for complete money management.€16.90/month
Everything in Go, plus
- Metal debit card
- Mobile phone insurance and purchase protection
- Free airport lounge pass1
Compare every detail
Virtual card
1
1
1
1
Virtual card
1
1
Physical card
Physical card
Spaces sub-accounts
10
10
10
Spaces sub-accounts
10
Shared Spaces
Shared Spaces
Free ATM withdrawals in Italy and eurozone
3 per month
Unlimited
Unlimited
Unlimited
Free ATM withdrawals in Italy and eurozone
3 per month
Unlimited
Budgeting automations
Budgeting automations
Worldwide card payments
Free
Free
Free
Free
Worldwide card payments
Free
Free
Free ATM withdrawals outside the eurozone
1.7% fee
1.7% fee
Free
Free
Free ATM withdrawals outside the eurozone
1.7% fee
Free
Airport lounge access1
€33 per visit
€33 per visit
First annual visit €15,
then €30
First annual visit free, then €30
Airport lounge access1
€33 per visit
First annual visit €15,
then €30
Travel eSIM3
Travel eSIM3
Travel and bag delays2
Up to €500
Up to €500
Travel and bag delays2
Up to €500
Baggage cover2
Up to €2,000
Up to €2,000
Baggage cover2
Up to €2,000
Emergency medical and dental2
Up to €1 million for medical and €250 for dental
Up to €1 million for medical and €250 for dental
Emergency medical and dental2
Up to €1 million for medical and €250 for dental
Emergency transport2
Up to €2,300
Up to €2,300
Emergency transport2
Up to €2,300
Trip interruption2
Up to €10,000
Up to €10,000
Trip interruption2
Up to €10,000
Trip cancellations2
Up to €10,000
Up to €10,000
Trip cancellations2
Up to €10,000
Personal liability2
Up to €500,000
Up to €500,000
Personal liability2
Up to €500,000
Mobile phone insurance2
Mobile phone insurance2
Purchase protection2
Purchase protection2
Partner offers
+15
+20
Partner offers
+15
24/7 chat support
24/7 chat support
Phone support
Phone support
Deposit protection
Up to €100,000
Up to €100,000
Up to €100,000
Up to €100,000
Deposit protection
Up to €100,000
Up to €100,000
Start banking better
Open your N26 account and start enjoying beautifully simple banking.
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.