** Listed in Forbes’ World’s Best Banks 2023 ** Want to manage your money and your crypto* with just one app? Meet N26, Europe's first 100% mobile bank. Say goodbye to hidden bank fees, long queues, and endless paperwork! Over 8 million customers in 24 countries trust N26 to save, spend, and manage their finances on the go. Here’s why you’ll love N26: GET STARTED FAST Download the N26 app and open your online bank account in minutes — right from your phone. Get a virtual or physical Mastercard debit card, add it to Apple Pay, and start using it straight away. NO HIDDEN BANKING FEES Enjoy no ATM fees, no minimum account balance, and no foreign transaction fees. Go premium to get free ATM withdrawals worldwide. REAL-TIME ALERTS Get instant push notifications for every incoming and outgoing transaction. YOU’RE IN CONTROL 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. INSTANT SAVINGS Earn interest on your savings with full flexibility and simple conditions. Availability and interest rate depend on N26 membership and market. INVESTING AND BANKING IN ONE APP Invest the simple way without having to switch apps. Buy stocks, ETFs, and cryptocurrencies like Bitcoin and Ethereum right in your N26 app*. (*N26 Crypto is powered by Bitpanda. Check our website for availability in your country. None of the statements constitute investment advice). AFFORDABLE INTERNATIONAL TRANSFERS Send money around the globe quickly and easily — powered by Wise and right in your N26 app. SAVE AND BUDGET EASILY Organize your money quickly with Income Sorter and save more with Round-ups. The Monthly Wrap-Up makes it even easier to stay on top of your expenses. PAY EFFORTLESSLY Send and receive instant bank transfers within the SEPA area. Enjoy free ATM withdrawals, or try CASH26 to withdraw or deposit cash at 15,500+ retail stores in Germany, Austria, Italy, Spain, and Greece. N26 PERKS Unlock exclusive offers from brands you love. SAFE AND SECURE N26 is a fully-licensed bank, and your money is protected up to €100,000 by the German Deposit Protection Scheme. Shopping online? Enjoy peace of mind with 3D Secure protection. RELIABLE CUSTOMER SUPPORT Our N26 Specialists are here to help, 24/7. Reach us via live chat, or give us a call on the N26 premium customer hotline. FIND THE BEST 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 travel insurance a colorful Mastercard, and free withdrawals abroad — N26 Metal: the exclusive bank account with an insurance package, metal Mastercard, priority support hotline, exclusive N26 Crypto* perks, and free withdrawals abroad — N26 joint accounts: Simplify shared finances with IBAN and insights. Check availability in your market For freelancers and self-employed: — Different business bank accounts for businesses, freelancers, and self-employed customers with N26 features such as cashback, Mastercard, insurances, sub-accounts, budgeting tools, and many more N26 Products include: — N26 Overdraft: get approved in minutes for an overdraft up to €10,000 (available in Germany, Austria) — N26 Credit: take out a credit loan of €1,000 to €50,000 with no paperwork (The loan maximum depends on the market; our credit loan is available in Germany and France.) — N26 Insurance: purchase on-demand insurance in your app to protect what you love N26 has been featured internationally by TechCrunch, WIRED, The Financial Times, Forbes, Die Zeit, Süddeutsche Zeitung, Spiegel, BILD, FAZ, and many more. Imprint and Cookie Policy: n26.com/app
N26 rocks!
Best back ever!
app reaction time is very slow
app reaction time is very slow
good card
good card for me
Decimal point broken
Cannot make transfers with contain a decimal point. There’s no way to file a bug report. Chat support is absolutely useless.
More 2FA options
Please add FIDO2/U2F/TOTP for 2FA options
Awful Customer Service
In this day and age you are going to experience fraud at some point. About a month ago 4 charges went through simultaneously, converted from a foreign currency (10 in total, but 6 failed because they were for amounts that exceeded my balance) adding up to ~€250 in total. I reported the charges as fraud immediately both through the app and also through chat with support. I’ve been very patient with support but they’ve done nothing but reply to me with what is clearly a template message blaming Mastercard for the delay. It’s disappointing because I’ve been a customer for several years now and the app works well otherwise, but at this point I’ve completely lost all faith that my money is safe with N26. I will be looking to bank elsewhere going forward. Edit: It’s now been over 2 months since the fraudulent charges went through. They’ve just confirmed that they will not be refunding my losses due to the following: “After investigating your claim, we can see that the fraudulent transaction(s) were made with the digital wallet Google Pay. In order for a phone to sync to Google Pay, it requires access to the cardholder's N26 account. This includes knowledge of the account username, knowledge of the app password, knowledge of the card information as well as the verification code sent by SMS to the paired device. For a card to be associated with a digital wallet with a unsynchronised phone, this cannot be done without knowledge of the code sent by SMS to the account holder's phone. For this reason, we are unable to respond favorably to your request and confirm the closure of your case.” You decide if you think your money is safe with N26.
WOW!
This is what mobile banking should be. Love N26!
Share finances the easy way with N26 joint accounts — now available in Austria, Spain, Belgium, Denmark, Estonia, Finland, Germany, Greece, Iceland, Ireland, Latvia, Liechtenstein, Lithuania, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Sweden, and Switzerland. Simply head to the ‘Finances’ tab and invite a contact to open a joint account with you. Once it’s open, you’ll be able to link a card and set up recurring payments to pay for all your shared expenses.
Subscribe our newsletter and get useful information every week.