Love your bank | N26 Bank (2024)

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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This is how I bank

What’s your unique way of banking? Whether here, there — or even in your underwear — N26 makes banking stress-free, so you can manage your money exactly how you want.

The free bank account that makes life easy

Not a fan of waiting times, hidden fees, or paperwork? Us too. Get a bank account with a virtual card and 24/7 support — and manage your money on the go.

Open N26 Standard Account

Security is a top priority at N26

N26 operates with a full German banking license, and your bank account with a German IBAN is protected up to €100,000, according to EU directives. And with fingerprint identification and advanced 3D Secure technology, you can rest assured you’re extra safe when making purchases in stores and online.

Learn more about Security at N26

N26 Smart—save and spend with confidence

Discover N26 Smart, the bank account that gives you more control over your money—with a direct customer support hotline if you ever need help. Choose a Mastercard in your choice of 5 colors and organize your finances with 10 Spaces sub-accounts—including Shared Spaces to save together with others. Plus, get an overview of your spending with Insights, and learn to budget better along the way.

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Stay tuned with push-notifications

Keep track of every transaction that comes in and out of your bank account, thanks to real-time push notifications. Whether you’re withdrawing or depositing money, making a transfer or completing a monthly standing order—you’re always kept up-to-date.

Open Bank Account

Get Insights into your spending habits

Not sure where all your money's going? Our Insights feature automatically categorizes your spending in real time. Track regular expenses, keep a pulse on your costs, and spot opportunities for savings. Everyday budgeting has never been easier.

Learn about budgeting

N26 Crypto — so easy to use

Say hello to N26 Crypto! So easy to try — it’s just a few taps away from your cash in the N26 app. And, you’ll get instant trades, clear insights, and access to almost 200 coins.

Take a look

The market for crypto assets constitutes a high risk. Crypto assets are subject to high fluctuations in value, and there is no real underlying asset. A complete loss of the money spent is possible at any time.N26 Crypto is powered by Bitpanda Asset Management GmbH.

Reach your goals with N26 Spaces

Give your financial goals room to grow with N26 Spaces sub-accounts. Personalize each space with a name, set your savings target, and easily stash savings aside with just a few taps.

Rather set it and forget it? Easy—create Rules to regularly move money over to a space, or try Round-Ups to save up the spare change whenever you pay by card.

Manage your money with Spaces

Make payments the easy way with Apple Pay

Tired of carrying your wallet around? We get it—which is why you can link your N26 Mastercard to Apple Pay for effortless payments right from your smartphone. Apple Pay lets you make secure, contactless payments online, in stores, or even in-app. Each transaction is verified by touch or face ID, and takes place in real-time. It’s the simple, safe, 100% mobile way to pay.

Try Apple Pay

N26 Support is here for you — in several languages.

If you have any questions or run into any problems, our N26 Customer Support team is always on hand to help you in English, French, German, Spanish and Italian. Just reach out to them via email or chat to an N26 expert right in your app.

Visit our Support Center

+8 Million

Customers

Markets

300,000+

5-star app ratings on iOS and Android

Noteworthy reads

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

N26 celebrates 7 million customers

Thank you to all 7 million N26 customers across 25 markets who have trusted us to put their financial interests first.

CEO Blog: Grooming the next generation of global entrepreneurs

At N26, we pride ourselves on encouraging innovation, disruption and an entrepreneurial spirit as almost a school for entrepreneurs.

N26's Complete Guide to Secure Online Banking

The complete N26 guide to banking safely online

*The interest rates are based on your N26 membership: 2.8% for Standard, Smart, and You, and 4% for Metal.

FAQs

Why did N26 close in the US? ›

Germany's $9 billion digital bank N26 to withdraw from the U.S. N26′s American customers will no longer be able to use its app from Jan. 11, 2022. The Berlin-based fintech said the move was aimed at shifting focus to its core European business.

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Can we trust banks with your money? ›

FDIC Insurance

Most deposits in banks are insured dollar-for-dollar by the Federal Deposit Insurance Corp. This insurance covers your principal and any interest you're owed through the date of your bank's default up to $250,000 in combined total balances. You don't have to apply for FDIC insurance.

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Is N26 a bank in the USA? ›

As a result, our product will no longer be available to customers in the US after January 18, 2022, and we will be closing all accounts. No other markets in which N26 operates will be impacted. It has been an incredible journey, and we're proud of everything we've accomplished with your help and feedback.

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Can I withdraw money from N26 in the US? ›

Withdrawals in the Eurozone are free for N26 customers, and withdrawals worldwide are free for You and Metal account holders.

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Why is N26 blocked? ›

In simple terms, this means that N26—as a bank—needs to act in line with laws that exist to combat illegal activities such as money laundering, financing terrorism, tax fraud, and abusive or fraudulent use of the account. In these cases, access to an N26 account may be restricted, or the account may be closed.

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Is N26 a trustworthy bank? ›

More than an app: A fully licensed bank

N26 is a fully licensed German bank. That means we have the same security regulations as any other bank. It also means your funds are protected up to €100,000 by the German Deposit Protection Scheme.

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What country uses N26 bank? ›

We offer our accounts in the following countries: Austria, Belgium, Denmark, Estonia, Finland, France (not available for residents in the DOM/TOM), Germany, Greece, Iceland, Ireland, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden & Switzerland.

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What is the real name of N26? ›

Until 2016, Berlin-headquartered startup Number26 operated without a licence and provided financial and credit services only to residents of Austria and Germany. Three years later, the company received the name N26 and a European banking licence.

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Can I deposit $50,000 cash in a bank? ›

If you plan to deposit a large amount of cash, it may need to be reported to the government. Banks must report cash deposits totaling more than $10,000. Business owners are also responsible for reporting large cash payments of more than $10,000 to the IRS.

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How much cash can you keep at home legally in the US? ›

The government has no regulations on the amount of money you can legally keep in your house or even the amount of money you can legally own overall. Just, the problem with keeping so much money in one place (likely in the form of cash) — it's very vulnerable to being lost.

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Can banks seize your money if the economy fails? ›

Banks during recessions FAQs

Your money is safe in a bank, even during an economic decline like a recession. Up to $250,000 per depositor, per account ownership category, is protected by the FDIC or NCUA at a federally insured financial institution.

What are the disadvantages of N26? ›

Disadvantages of N26

No Physical Checks: N26 does not offer the option to write physical checks, which may be a drawback for some customers. Limited Customer Support: N26 offers limited customer support, with the only option being email or through its in-app support center.