N26 — Love your bank

N26 AG

About this app

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 Google Pay or Apple Pay, and start using it straight away.
– 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 Go, and N26 Metal.
– Open your joint account in minutes and manage shared finances alongside your personal account.
– Self-employed? Handle all your business finances with an N26 business account and get up to 0.5% 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.
– Split eligible past purchases with N26 Installments, or get approved for an overdraft of up to €10,000 in minutes (available in Germany, Austria, and Spain). With N26 Credit, you can get a loan instantly with no paperwork (available in Germany, Austria, Spain, 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
- Trade thousands of stocks and ETFs — right in your banking app. Or select one of our ready-made funds and let the experts do the work.*
- You can start with €1, and buy and sell anytime.
- Manage your money and your investments without having to download another app. Get a complete overview of your portfolio, transaction fees, gains, and losses.
- Not much time on your hands? Automate your investments with our free, fully-flexible investment plans.

*None of these statements constitute investment advice. Check our website for availability in your country.

TRAVEL THE WORLD WITH N26
Pack your bags — we've got the rest. Get the best exchange rates, free ATM withdrawals abroad, travel insurance, lounge access, travel eSIM connectivity, and 24/7chat support, all in one.

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.

Imprint and Cookie Policy: n26.com/app

Ratings and reviews

I opened an account about 3 years ago. The app works well. But 3 weeks ago my mobile was stolen so I had to buy a new one and link it to my account. This was impossible for 3 weeks. The in app customer service works only if you are already logged in, and there's no way to contact them via chat or email or phone number. Then I read about their Instagram and, as soon as I contacted them there, they solved the problem quickly.

It would be better if the bank was easy to communicate with by phone. The one annoying thing is the benefits you get with your account varies depending on the country you register in. Caiming on their insurance is not as simple and straight forward as others. Since writing the above review I would love to be able to say that they took feedback and improved. Disappointingly they haven't and their security and customer service levels have dropped through the floor. I would not recommend them.

The WORST👎choice that you can ever make! The assistance is 'there', but NEVER solving the problem. I've been waiting for 1+ month for a card to arrive, and they just reordered it for me, so basically I'd have to wait for another 15 days(hopefully). It's a good initiative to have an online banking system, but go for ANOTHER ONLINE BANK instead. I do NOT SUGGEST n26 to any of you! Very awful experience, really!!!

What’s new

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