Your card, your style
Use your virtual card from the get-go, and order a Debit Mastercard in your choice of five colors — free1 with N26 Smart.
Every cent in its Space
Stay organized with 10 Spaces sub-accounts. Divide your money to plan for your goals, or set aside funds for expenses.
Set it, then forget it
Automations like Income Sorter, Round-ups, and Rules for Spaces give you total control over your saving and budgeting.
Switch banks in minutes
Open your N26 account and move your recurring payments in just a few taps.
1 N26 Smart, Go, and Metal customers get up to six free virtual cards. N26 Standard customers get one free virtual card; extras are €2.59 each. The physical Mastercard is included in the €4.90 monthly plan fee.
Advertising message for promotional purposes. Please see the contractual documentation for more information in the Legal Documents Section.
FAQ
- Be over the age of 18
- Live in an eligible country
- Have your own smartphone
- Not yet have an account with N26
- Have a valid ID
- Be able to verify yourself in one of our supported languages: English, French, German, Spanish, or Italian
You must meet the following requirements to open an N26 Smart account:
Once you've checked that you meet our basic requirements, just download the N26 app to sign up.
Forget the paperwork — opening an N26 Smart account takes just a few minutes. All you need is a valid ID. Once we've verified your identity, your virtual Debit Mastercard is ready to use immediately.
The N26 Smart account costs €4.90 per month. For full details on the costs and conditions of N26 Smart, please refer to the information sheet ‘N26 Bank Account’ and the information sheet ‘Services to the N26 Bank Account’.
N26 Smart is a bank account that comes with a physical N26 Mastercard, a virtual card, and free ATM withdrawals in the eurozone. As an N26 Smart customer you’ll also have access to innovative banking features that make saving and managing your finances easier. Thanks to Insights, you’ll also always have a detailed overview of all your spending.
Budgeting and saving is simple with N26 Smart. Create up to 10 sub-accounts with Spaces, including Shared Spaces to save and spend with others.
For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.
For full details on the costs and conditions of N26 Standard, please refer to the information sheet ‘N26 Bank Account’ and the information sheet ‘Services to the N26 Bank Account’.
With N26 Smart, you can get up to two physical Debit Mastercards, available in five distinct colors — Ocean, Sand, Rhubarb, Aqua, and Slate. While your first physical card and a virtual card are included at no extra cost, you also have the flexibility to order a second physical card for a one-time fee of €10.
N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a Smart customer, create up to 10 Spaces sub-accounts in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund.
Try using Rules to automatically set your bill money aside to a Space. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account.
If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other N26 customers.
Find out more about Spaces and Shared Spaces here.