The bank you’ll love

Money made beautifully simple. Spend, save, and invest in one intuitive app that's trusted by millions.
Open free bank account

The free bank account that makes life easy

Join the online bank that lets you manage your shared finances right alongside your personal account. No waiting times, no hidden fees, no paperwork — just beautifully simple banking on the go.
Open N26 Standard Account
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An N26 virtual card with a map highlighting cash points in the background.

Your free account

With a virtual Mastercard and two free domestic ATM withdrawals per month.

Get N26 Standard
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Simply secure

Our innovative security features keep your money and data simply secure.

Security at N26
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24/7 mobile banking

Enjoy a fully transparent bank account that's made for travelling, with 24/7 support when you need it.

Visit our Support Center
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Send and receive money

Pay friends and make quick, simple transfers within the eurozone.

Learn More

Put your savings to work

N26 Instant Savings is our easy-access savings interest-bearing account* that's 100% flexible. Earn interest on all your savings with no deposit limits** and dip into it anytime. Win-win.
Discover Instant Savings
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Invest in stocks, ETFs, and crypto

Trade stocks and ETFs*** right in your N26 app. Pay a flat rate of €0.90 per trade, with 15 free monthly trades for N26 Metal customers, and 5 if you have N26 You. Invest as little as €1 and automate it with our flexible investment plans. Curious about crypto? We’ve got over 200 cryptocurrencies to pick from****.
Gymnast wearing teal color clothes and holding a mobile with the N26 app open. In the foregound there is pop up displaying the balance and profitability in the Stocks and ETFs account and Crypto account.

N26 accounts — your money deserves an upgrade

N26 Standard

The free account for your everyday banking needs

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • Up to 2 free ATM withdrawals in euros

  • Pay worldwide with no foreign transaction fees

  • A virtual Mastercard debit card

  • 1% annual gross interest rate* with Instant Savings

Get N26 Standard

N26 Smart

The bank account that gives you more control

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.

€4.90/month

All benefits of N26 Standard, Plus

  • Up to 10 Spaces sub-accounts

  • Customer support hotline

  • A virtual and a physical card

  • 1% annual gross interest rate* with Instant Savings

Get N26 Smart

N26 You

The all-in-one account for banking and travel

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Ash.
N26 You card, Teal.

€9.90/month

  • Up to 5 free ATM withdrawals in euros

  • Free ATM withdrawals abroad

  • Travel insurance

  • 1.3% annual gross interest rate* with Instant Savings

Get N26 You
MORE INTEREST

N26 Metal

The premium bank account with a metal card

N26 Metal - Charcoal Black.
N26 Metal - Slate Grey.
Quartz Rose - N26 Metal Card.

€16.90/month

All benefits of N26 You, Plus

  • 18-gram metal debit card

  • Up to 8 free ATM withdrawals in euros

  • Exclusive mobile phone insurance

  • 3% annual gross interest rate* with Instant Savings

Get N26 Metal

For more information on the N26 membership plans and Allianz Assistance insurance coverage, please see the plan comparison page and the applicable T&Cs.
N26 You card, Wheat.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.

Open your N26 account in minutes

Whether you're looking for a flexible, free online bank account or a premium account complete with insurance packages and smart budgeting tools, N26 has got you covered. There's no paperwork and no hassle — open your account from your phone in minutes.
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*Deposits into N26 Instant Savings account earn interest at an annual gross nominal rate of 3% with N26 Metal, 1.3% with N26 You, and 1% with N26 Smart and N26 Standard (as of 1.8.2024). 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 AG, Succursale France. **The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. ***Investments in stocks and ETFs carry a risk of capital loss. N26 Stocks and ETFs is provided by N26 Bank AG in partnership with Upvest Securities GmbH. Learn more N26 Stocks and ETFs on this page. ****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 AG in partnership with Bitpanda GmbH. Learn more about risks and N26 Crypto on this page.

    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 You 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.

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