Welcome to the bank you'll love. Bank, save, and invest in one beautifully simple app that's trusted by millions.
BANK
– Open your online N26 bank account in minutes — right from your smartphone. Get a physical or virtual Mastercard debit card, add it to Apple Pay, and start using it straight away.
– Pick from our five new virtual card designs and start paying with personality.
– Send money in seconds using MoneyBeam and instant transfers.
– Want even more perks and features? Discover our premium accounts and give your banking experience an upgrade. Choose from N26 Smart, N26 You, and N26 Metal.
– For shared finances, N26 joint accounts come with dedicated IBANs, handy insights, and user-friendly features to make managing your own and your shared expenses easier than ever.
– Self-employed? Handle all your business finances with an N26 business account and get 0.1% cashback for every payment you make with your N26 Mastercard.
– Send money near and far via international money transfers powered by Wise with N26. Just a few taps in your N26 app and your money arrives in 35+ countries with no hidden fees.
– Want to turn future plans into reality today? Split eligible past purchases with N26 Installments, or get approved for an overdraft up to €10,000 in minutes (available in Germany and Austria). With N26 Credit, you can get a loan instantly with no paperwork (the loan maximum depends on the market; our credit loan is available in Germany and France.)
– And if you have questions, contact us day and night via the chat in your N26 app — in five languages.
SAVE
- With N26 Instant Savings, grow your money with full flexibility, no matter what membership you have. Earn interest on all your savings with no deposit limits** and access your funds anytime.
- Achieve your goals by organizing your money into N26 Spaces sub-accounts, and automate your savings with N26 Round-ups.
- Get spending insights to help you stay on track.
* The interest rate is based on country and membership. Available to eligible N26 customers in 16 countries across Europe, including Germany, Austria, France, Spain, Ireland, and the Netherlands.
**The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
INVEST
- Choose from hundreds of stocks, ETFs, and crypto coins.*
- Manage your investments without having to download another app. Get a complete overview of your portfolio, transaction fees, gains, and losses.
- Get 15 free trades for Stocks and ETFs every month with N26 Metal — and 5 with N26 You.
- Not much time on your hands? Automate your investments with our free, fully-flexible investment plans.
*Check our website for availability in your country. Stocks and ETFs are available to eligible customers in Germany, Austria, Ireland, and the Netherlands. None of the statements constitute investment advice. N26 Crypto is powered by Bitpanda.
BE SIMPLY SECURE AND FULLY IN CONTROL
— As a fully-licensed German bank built on the latest technology, we’re always working to make sure your money is in safe hands.
— Get control over the security of your account with customizable settings in your N26 app. Lock and unlock your card, change your PIN, set spending limits, and hide your sensitive data from prying eyes — instantly and effortlessly.
— Banking after hours? Turn down the lights and use your N26 app in dark mode. It's yet another layer of personalization to the way you choose to bank.
Imprint and Cookie Policy: n26.com/app
Whis bank its not a bank! Its a crooks company. If you will get the money into N26 account more than 2000 euros, they just froze your account without any notice… and you can do anything at all. No customer servise, no nothing… they just will use your money to benefit them selfs. Support center its a joke no help at all! No customer calling centre. People don’t do mistake I did and I eft without my money.
Once a great bank
This used to be a great bank, and the spread of instant savings account to more countries was great. However, the interest rate in Lithuania is now going from 2.8% to 1.7% starting from October… wtf? That’s literally nothing. I’ll be going back to Revolut.
funny bank. I don't recommend it
I do not recommend this bank to you, they may close your account with your money! They block the account when the amount is 300 euros and ask for a lot of documents. And verification may not be missed when your documents are in order
I do not recommend
Since I downloaded the app I am unable to add funds via Apple pay or debit card I have removed and reinstalled the app, unpaired it from my phone and repaired it restarted my device and still I am unable to add funds. i have spoken to Support who advised me to do the same that I have mentioned above and still it is not functioning. I will review my stars once this issue is resolved. But for now I do mot recommend anyone use this app.
Painful registration
registration is a nightmare. I filled out all the fields on the site, but at the last step I received an error and a message that I need to write to support. I installed the application and after registering I received a letter asking me to change my password, when I try to change my password I am prompted to enter my zip code. but the system does not accept my index and writes an error.
Error
Can someone please contact me from a support?
Cannot finalize the setup and cannot give proper response
Two months after the information and documents submitted- app is still on “Verify identity” step . When contacted by support, first they did not know that they themselves opened the registration in Lithuania and when sent the info for them they said they cannot give information why it’s stuck on verification of identity… terrible experience so far :) a bank that does not want customers
App is buggy
Many bugs:
1) adress validation form
1.1) form gives validation error even for confirmed addresses.
1.2) input field gives autosuggestions, but choosing a suggestion from a list fills only one field and deletes other ones, example you can’t fill city and street.
2)App error.
Often app gives an error, saying that the problem is in our side.
3) Support gives suggestions how to work around policy restrictions.
This is not fin tech level app.
So bad
After i changed my email they ask to verify my identity and they dont let me do it… i cant withdraw any money or login to bank account
Over 2 years black card user
Account was blocked and closed without any waning or communication. Funds inaccessible. I was happy paying customer, and then this happens. This kind of behaviour is very troubling. Stay away from them.