Finance
(116.533 ratings)

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As of January 18, 2022, N26 will no longer be available to customers in the US. For more information, please visit n26.com/en-us/.

🏆 Voted Best Bank in the World by Forbes 2021 🏆

Want to be in full control of your money with just one app? Meet N26, Europe's first 100% mobile bank. Say bye to hidden bank fees, long queues, and endless paperwork.

Over 7 million customers in 25 countries trust N26 to manage their money on-the-go. Here’s why you’ll love N26:

GET STARTED FAST
Download the N26 app and open your bank account in 8 minutes—right from your phone. Get a virtual or physical debit Mastercard, add it to Google Pay, and start spending with your debit card before it arrives in the mail.

NO HIDDEN FEES
Enjoy no ATM fees, no minimum account balance, and no foreign transaction fees.

REAL-TIME ALERTS
Receive instant push notifications for every incoming and outgoing transaction.

YOU’RE IN CONTROL
Instantly lock or unlock your card, reset your card PIN, set spending and withdrawal limits, and enable or disable international payments, online transactions, and contactless payments in your N26 app.

CHEAP INTERNATIONAL TRANSFERS
Send money overseas in 38+ currencies with Wise (formerly TransferWise) in your N26 app. Get the real market exchange rate and enjoy lower fees compared to other money transfer services.

SAVE AND BUDGET EASILY
Effortlessly organize your money in Spaces sub-accounts, or spend and save money with up to 10 others in Shared Spaces. Want to budget better? Statistics categorizes and tracks your payments in real time, so a quick glance is all it takes to stay on track.

PAY EFFORTLESSLY
Instantly send and receive free bank transfers via MoneyBeam with just an email address or phone number. Need cash? Use CASH26 to withdraw or deposit cash at over 15,500 retail stores in Germany, Austria, Italy, Spain and Greece.

SECURE BANKING
N26 is a fully-licensed bank, and your money is protected up to €100,000 by the German Deposit Protection Scheme. Enjoy peace of mind when shopping online with 3D Secure 2-factor authentication.

RELIABLE CUSTOMER SUPPORT
Our N26 Specialists are here to help, 7 days a week. Reach us via live chat, or give us a call if you’re a premium N26 customer.

FIND THE BEST BANK ACCOUNT FOR YOU
For personal use:
✓ N26 Standard: the free digital bank account for your everyday
✓ N26 Smart: the bank account with a colorful Mastercard and powerful tools to spend and save with confidence
✓ N26 You: the premium bank account with a colorful Mastercard, free withdrawals abroad and travel insurance
✓ N26 Metal: the exclusive account with a metal Mastercard, priority support hotline, free withdrawals abroad and extensive insurance

For freelancers and the self-employed:
✓ N26 Business Standard: the free everyday business account with 0.1% cashback
✓ N26 Business Smart: the business account with a colorful Mastercard, extra sub-accounts, and intelligent budgeting tools
✓ N26 Business You: the premium account with a colorful Mastercard, travel insurance, and free withdrawals abroad
✓ N26 Business Metal: the exclusive account with 0.5% cashback, a metal Mastercard, free withdrawals abroad, and extensive insurance

N26 Products include:
✓ N26 Overdraft: Get approved in minutes for an overdraft of up to €10,000 (available in Germany, Austria)
✓ N26 Credit: Take out a credit loan of €1,000 to €25,000 with no paperwork (available in Germany, France)
✓ N26 Savings: Open a fixed-term savings account online and earn up to 1.15% interest (available in Germany, Austria)
✓ N26 EasyFlex Savings: Earn competitive daily interest on your savings without locking it away (available in Germany)
✓ N26 Insurance: Buy insurance on-demand in your app, and protect what you love (available in Germany)

N26 has been featured internationally by TechCrunch, WIRED, The Financial Times, and many more. N26 has over 298,000 five-star reviews worldwide.

Imprint
n26.com/en-eu/app-imprint
From version N26 — The Mobile Bank 3.78:

We’ve fixed some bugs to make your banking experience even smoother. Happy upgrading!