N26 — Love your bank

N26 GmbH

About this app

🏆 Featured in Forbes' World’s Best Banks of 2023 🏆

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

Over 8 million customers in 24 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 online bank account in minutes — right from your smartphone. Get a virtual or physical Mastercard debit card, add it to Apple Pay or Google Pay, and start using it straight away.

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

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 no minimum or maximum deposit limits*. The interest rate is based on country and membership. Available to eligible N26 customers in Germany and Spain.
(*Your funds are protected up to €100,000 by the German Deposit Protection Scheme)

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
Instantly send and receive free bank transfers via MoneyBeam. 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.

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 saving tools
✓ N26 You: the premium bank account with travel insurance, a colorful Mastercard, and free withdrawals abroad
✓ N26 Metal: the exclusive account with extensive insurance, a metal Mastercard, priority support hotline, exclusive N26 Crypto* perks and free withdrawals abroad
✓ N26 joint accounts: Simplify your shared finances with a dedicated IBAN and insights. Check availability in your market

✓ 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 of 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: buy insurance on-demand in your app, and protect what you love

N26 has been featured in international publications such as TechCrunch, WIRED, The Financial Times, Forbes, Die Zeit, Süddeutsche Zeitung, Spiegel, BILD, and FAZ.

Imprint and Cookie Policy: n26.com/app

Ratings and reviews

The app seems to be trying to play audio all the time. Whenever i open the app, my volume popup dialog goes from showing ringtone volume to showing media volume. I've noticed that the app uses a lot of battery even thought it's not doing anything. The volume issue remains the same if i close the app (i guess it's still running in the background). I have to force stop the app for things to go back to normal.

Thanks for the prompt answer! 1. I know that you can use other platforms, but since I feel like I can do anything in the app save for this, I wish you would port all downloads to the app. 2. I know that, but I'm talking about connections, not paired devices. If I just accepted a suspicious 2FA dialog and regret it, I have no way to check who is connected and disconnect them. 3. Tags are cool, but require that you open the transaction in full screen. But names could be viewed in the overview!

I've had this bank since 2019, always worked fairly ok except for some conversations with the customer service, things always worked out. Now for the past 2 weeks my account has been randomly blocked, no email, I tried to use my card and got a notification "account blocked"! Have been on the livechat 10s of times since, they keep pretending they're contacting the service to speed up the process, but that it's just a routine security check. However, had no issue charging my monthly subscription.

What's new

Welcome to version 4.0! You can now specify what’s included in 'Your Balance' in the 'Finances' tab. This overview of your total account balance can add up the assets in your main account, Joint Account, shares, or ETFs.

Why switch to a new version now? Version 3 carried us through 128 updates, but we thought it was time to acknowledge how far we’ve come since launching groundbreaking features like Joint Accounts, Instant Savings, Crypto, and Equities.

What awaits in Version 4? Stay tuned!