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 * PLANS
   
   
   PERSONAL
   
   
   BUSINESS
   
   STANDARD
   
   SMART
   
   YOU
   
   METAL
   
   View plans
   
   BUSINESS STANDARD
   
   BUSINESS SMART
   
   BUSINESS YOU
   
   BUSINESS METAL
   
   View Business plans


 * BANK
   
   
   HIGHLIGHTS
   
   
   OTHER FEATURES
   
   
   MORE
   
   JOINT ACCOUNT
   
   VIRTUAL CARDS
   
   INSTANT PAYMENTS
   
   TOP UP
   
   APPLE PAY
   
   GOOGLE PAY
   
   MASTERCARD
   
   BANKING BASICS GUIDE
   
   BANKING TERMS GLOSSARY
   
   HOW TO OPEN A BANK ACCOUNT ONLINE
   
   PHONE INSURANCE
   
   BANKING BASICS
   
   
   FEATURED STORIES
   
   All stories
   
   DEMYSTIFYING CROSS-BORDER PAYMENTS: CHALLENGES AND NEW TRENDS
   
   6 min read
   
   WHAT IS DEFLATION—AND WHAT DOES IT MEAN FOR THE ECONOMY?
   
   9 min read
   
   FOREIGN TRANSACTION FEES TO LOOK OUT FOR WHEN USING YOUR DEBIT CARD ABROAD
   
   6 min read


 * SAVE
   
   
   HIGHLIGHTS
   
   
   OTHER FEATURES
   
   
   MORE
   
   INSTANT SAVINGS
   
   SPACES
   
   BUDGETING
   
   SHARED SPACES
   
   SPLIT EXPENSES
   
   CASHBACK
   
   INTEREST RATES GUIDE
   
   BUDGETING STORIES
   
   
   FEATURED STORIES
   
   All stories
   
   HOW TO SAVE MONEY FOR A TRIP IN 10 SIMPLE STEPS
   
   11 min read
   
   SABBATICAL LEAVE—WHAT IT MEANS AND HOW TO FINANCE IT
   
   6 min read
   
   WHAT IS A TERM DEPOSIT AND HOW DOES IT WORK?
   
   9 min read


 * INVEST
   
   
   HIGHLIGHTS
   
   
   OTHER FEATURES
   
   
   MORE
   
   STOCKS AND ETFS
   
   CRYPTO
   
   BUY STOCKS
   
   BUY ETFS
   
   INVESTING MONEY
   
   GUIDE TO CRYPTO COINS
   
   CRYPTO STORIES
   
   INVESTMENT STORIES
   
   CRYPTO GLOSSARY
   
   
   FEATURED STORIES
   
   All stories
   
   HOW INVESTING CAN SUPPORT YOUR RETIREMENT GOALS
   
   11 min read
   
   THE WISDOM OF CROWDS: USING SOCIAL NETWORKS TO MAKE INVESTMENT DECISIONS
   
   10 min read
   
   BULL MARKETS: WHAT THEY MEAN FOR YOUR MONEY
   
   10 min read


 * LEARN
   
   
   LIVING ABROAD
   
   
   TRAVEL
   
   
   WORK
   
   
   STUDENT LIFE
   
   
   MONEY TOOLS
   
   
   MORE
   
   FOREIGN TRANSACTION FEES
   
   INTERNATIONAL MONEY TRANSFERS
   
   MOVING TO GERMANY
   
   MOVING TO FRANCE
   
   MOVING TO ITALY
   
   MOVING TO SPAIN
   
   EXPAT STORIES
   
   FOREIGN CURRENCY EXCHANGE
   
   TRAVEL INSURANCE
   
   USING YOUR CARD ABROAD
   
   TRAVEL STORIES
   
   SMALL AND MEDIUM BUSINESS ACCOUNT
   
   FREELANCER STORIES
   
   TAXES ARTICLES
   
   STUDENT STORIES
   
   STUDENT BANK ACCOUNT
   
   FINANCIAL CALCULATORS
   
   BUDGET CALCULATOR
   
   50-30-20 CALCULATOR
   
   INTEREST CALCULATOR
   
   INFLATION CALCULATOR
   
   MOVING COST CALCULATOR
   
   LIFESTYLE STORIES
   
   
   FEATURED STORIES
   
   All stories
   
   HOW INFLATION CAN DEPLETE YOUR HARD-EARNED MONEY, AND WAYS TO FIGHT IT
   
   10 min read
   
   BEAR MARKET: THIS IS WHAT IT MEANS
   
   11 min read
   
   BULL MARKETS: WHAT THEY MEAN FOR YOUR MONEY
   
   10 min read

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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

Not a fan of waiting times, hidden fees, or paperwork? Us neither. Get a free
N26 bank account and manage your personal and shared finances the simple way.
Open Free Bank Account


Your free account

With a virtual Mastercard and unlimited card payments in any currency with no
foreign transaction fees.

Get N26 Standard

Free withdrawals

Enjoy a set number of free ATM withdrawals in euros within the eurozone based on
your membership — and unlimited free withdrawals abroad in the local currency
for N26 You and Metal.

Learn more

24/7 chat support

Contact us day and night via the chat in your N26 app — in five languages.

Visit our Support Center

Simply secure

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

Security at N26

Your free account

With a virtual Mastercard and unlimited card payments in any currency with no
foreign transaction fees.

Get N26 Standard

Free withdrawals

Enjoy a set number of free ATM withdrawals in euros within the eurozone based on
your membership — and unlimited free withdrawals abroad in the local currency
for N26 You and Metal.

Learn more

24/7 chat support

Contact us day and night via the chat in your N26 app — in five languages.

Visit our Support Center

Simply secure

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

Security at N26



PUT YOUR SAVINGS TO WORK

N26 Instant Savings is our easy-access savings account that's 100% flexible.
Earn interest on all your savings with no deposit limits* and dip into it
anytime. N26 Metal customers enjoy our highest interest rate — currently, 2.5%**
p.a.
Discover Instant Savings



INVEST IN STOCKS, ETFS, AND CRYPTO

N26 customers can now buy stocks and ETFs right in their banking app***. Pay a
flat rate of only €0.90 per trade. And if you’re an N26 Metal customers, get 15
free trades every month — or 5 free monthly trades 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****.
Learn more



N26 ACCOUNTS — YOUR MONEY DESERVES AN UPGRADE

N26 Standard

The free account for your everyday banking needs

Virtual Card

€0.00/month

 * 1.3% interest p.a. on your N26 Instant Savings

 * Pay worldwide with no foreign transaction fees

 * 2 free ATM withdrawals within the eurozone

 * A virtual debit card

Open free bank account

N26 Smart

The bank account that gives you more control



€4.90/month

 * 1.3% interest p.a. on your N26 Instant Savings

 * Up to 10 Spaces sub-accounts

 * Customer support hotline

 * Virtual and physical card

Open N26 Smart account

N26 You

The all-in-one account for banking and travel



€9.90/month

 * 1.5% interest p.a. on your N26 Instant Savings

 * Up to 5 free ATM withdrawals in euros

 * Free withdrawals in the local currency outside the eurozone

 * Travel insurance

Open N26 You account
MORE INTEREST

N26 Metal

The premium bank account with a metal card



€16.90/month

 * 2.5% interest p.a. on your N26 Instant Savings

 * Up to 8 free ATM withdrawals in euros

 * Pay only 1% trading fee for Bitcoin and 2% for other coins

 * 18-gram metal card

Open N26 Metal account

N26 Standard

The free account for your everyday banking needs

Virtual Card

€0.00/month

 * 1.3% interest p.a. on your N26 Instant Savings

 * Pay worldwide with no foreign transaction fees

 * 2 free ATM withdrawals within the eurozone

 * A virtual debit card

Open free bank account

N26 Smart

The bank account that gives you more control



€4.90/month

 * 1.3% interest p.a. on your N26 Instant Savings

 * Up to 10 Spaces sub-accounts

 * Customer support hotline

 * Virtual and physical card

Open N26 Smart account

N26 You

The all-in-one account for banking and travel



€9.90/month

 * 1.5% interest p.a. on your N26 Instant Savings

 * Up to 5 free ATM withdrawals in euros

 * Free withdrawals in the local currency outside the eurozone

 * Travel insurance

Open N26 You account
MORE INTEREST

N26 Metal

The premium bank account with a metal card



€16.90/month

 * 2.5% interest p.a. on your N26 Instant Savings

 * Up to 8 free ATM withdrawals in euros

 * Pay only 1% trading fee for Bitcoin and 2% for other coins

 * 18-gram metal card

Open N26 Metal account


For more information on the N26 membership plans and Allianz Assistance
insurance coverage, please see the plan comparison page and the applicable T&Cs.


OPEN YOUR N26 ACCOUNT NOW

Open your N26 bank account in minutes and with no paperwork — right from your
phone or our website. Moving from another bank? Transfer your direct debits,
standing orders, and recurring payments to your new N26 account in a few taps.
Compare accounts
Open free bank account

*The money in your N26 bank accounts — including N26 Instant Savings — is
protected up to €100,000 by the German Deposit Guarantee Scheme. **The interest
rates vary based on your membership: currently, 2.5% p.a. for Metal, 1.5% p.a.
for You, and 1.3% p.a. for Smart and Standard accounts. Please note that regular
rates per membership are subject to change over time. This offer is available at
no extra cost in the N26 app in Belgium, Estonia, Finland, Greece, Ireland,
Latvia, Lithuania, Luxembourg, the Netherlands, Portugal, Slovakia, and
Slovenia. Services and fees apply to anyone who registers with an address in
Belgium, Estonia, Finland, Greece, Ireland, Lithuania, Luxembourg, The
Netherlands, Portugal, Slovakia, Slovenia, Sweden, Norway, Denmark, Poland,
Iceland and Liechtenstein. ***These statements are intended to provide general
information and do not constitute investment advice or any other advice on
financial services and financial instruments such as stocks and ETFs. These
statements also do not constitute an offer to conclude a contract for the
purchase or sale of stocks and ETFs. Stocks and ETFs can be subject to high
fluctuations in value. A decline in value or a complete loss of the money
invested are possible at any time.The values depicted are fictional and for
illustrative purposes. Stocks and ETFs are currently available for eligible
customers in Germany, Austria, France, Spain, Ireland, Belgium Denmark, Estonia,
Finland, Greece, Latvia, Lithuania, Norway, Poland, Portugal, Slovakia, Slovenia
and the Netherlands. Using the N26 Broker service is always subject to
eligibility. ****The market for crypto assets constitutes a high risk. A
complete loss of the money spent is possible at any time. N26 Crypto is powered
by Bitpanda.

--------------------------------------------------------------------------------


IS N26 A BANK?

N26 is the first 100% mobile bank to be granted and operate with a full German
banking license from the German Federal Financial Supervisory Authority (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.

--------------------------------------------------------------------------------


WHERE IS N26 AVAILABLE?

We offer our accounts in the following countries: Austria, Belgium, Denmark,
Estonia, Finland, France (not available for residents in the French territories
outside Europe), Germany, Greece, Iceland, Ireland, Italy, Latvia,
Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal,
Slovakia, Slovenia, Spain, Sweden, and Switzerland. You can open your account if
you live in one of these countries and meet our requirements. Our products and
services vary by country.

--------------------------------------------------------------------------------


IS N26 SECURE?

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 your online payments is always guaranteed.

--------------------------------------------------------------------------------


HOW IS N26 PROTECTING MY MONEY AND PERSONAL DATA?

As a bank, N26 is supervised by BaFin. Your 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 your bank account and data.

--------------------------------------------------------------------------------


WHAT DOCUMENTS DO I NEED TO OPEN AN N26 BANK ACCOUNT?

In order to open a bank account with N26, you must have a government-issued ID.
See the list of List of accepted ID documents here. 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. Note that you’ll need a smartphone to
use your account, and must live in an eligible country where N26 operates.

--------------------------------------------------------------------------------


HOW MUCH DOES IT COST TO OPEN A BANK ACCOUNT?

The standard N26 bank account is free, with no 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.

--------------------------------------------------------------------------------


HOW LONG DOES IT TAKE TO OPEN A BANK ACCOUNT WITH N26?

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.

--------------------------------------------------------------------------------


NOTEWORTHY READS

Articles and stories to help you make the most of your money

A beginner's guide: What is trading and how does it work?

Trading is more than a buzzword or an ‘80s throwback. This article covers what
financial trading is and how it works, step by step.

How to save money fast: 17 tips to grow your savings

Whether your financial goals are big or small, these life hacks will help you
save money faster.

The 50/30/20 rule: how to budget your money more efficiently

The 50/30/20 budget is beautiful in its simplicity. It can help you divide your
income into categories that make saving easy.

A beginner's guide: What is trading and how does it work?

Trading is more than a buzzword or an ‘80s throwback. This article covers what
financial trading is and how it works, step by step.

How to save money fast: 17 tips to grow your savings

Whether your financial goals are big or small, these life hacks will help you
save money faster.

The 50/30/20 rule: how to budget your money more efficiently

The 50/30/20 budget is beautiful in its simplicity. It can help you divide your
income into categories that make saving easy.


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Our partners and us use analytics cookies to improve the performance of our
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Personalisation/targeting cookies may be set by us on our websites or by our
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