XIUYU has invited you to join N26!

Welcome to the future of banking — manage your money and grow your savings in one beautifully simple app that's trusted by millions.
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Sign up

You can sign up for a free N26 account in minutes—just tap the button below

Make a transaction

Complete the registration and use your physical or virtual card for the first time

N26 pays referral bonus

Once you use your card, all bonuses that are due will be paid!

Open Bank Account

Your 100% Mobile Bank Account

Manage all your finances directly from your smartphone and pay with a tap using your virtual N26 Mastercard. Send money in seconds with MoneyBeam and instant transfers, and get spending insights to help you budget and stay on track. Our premium accounts offer even more perks and extra features.
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Hand holding a mobile displaying an N26 virtual card, with a pop-up in the foreground showing four buttons: add money, send money, scheduled, and insights.

Get more with N26 Metal

N26 Metal customers earn 2.5%* interest p.a. on Instant Savings — our highest interest rate. As our most premium banking experience, N26 Metal also includes an extensive insurance package, priority customer support, and a unique stainless steel debit card.*Product availability and Interest rates are based on country and membership
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Image of an N26 gray metal card placed diagonally on a dark green background.

Frequently Asked Questions

    Referral links don’t expire and can be used anytime. Friend referrals which are initiated, but not complete after one year will be canceled.

    You can always see how much you can earn by heading to the Friend referrals section in the Explore tab of your N26 app.

    To invite friends, go to the Explore tab in your N26 app and head to the Friend Invite section. Tap on your unique invite link to share it with friends.