N26 — Love your bank

N26 GmbH

Sobre este app

🏆 Listed in Forbes’ World’s Best Banks 2022 🏆

Want to be in full control of your money with just one app? Meet N26, Europe's first 100% mobile bank. Say bye 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 phone. Get a virtual or physical Mastercard debit card, add it to 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
Receive 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*. Availability and interest rate depend on N26 membership and market.
(*Your funds are protected up to €100,000 by the German Deposit Protection Scheme)

BANKING AND CRYPTO IN ONE APP
Instantly buy and sell almost 200 cryptocurrencies—Including Bitcoin and Ethereum. (*N26 Crypto is powered by Bitpanda Asset Management GmbH. 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 call us 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 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 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

For freelancers and the self-employed:
✓ N26 Business Standard: the free everyday business account with 0.1% cashback
✓ N26 Business Smart: the business account with a colorful Mastercard, extra sub-accounts, and intelligent budgeting tools
✓ N26 Business You: the premium account with travel insurance, a colorful Mastercard, and free withdrawals abroad
✓ N26 Business Metal: the exclusive account with extensive insurance,
0.5% cashback, a metal Mastercard, and free withdrawals abroad

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 & Cookie Policy: n26.com/app

Classificações e resenhas

Sem burocracias. Sem comissões (se nos mantivermos no plano básico). E o melhor de tudo é que se trata de um banco, com os depósitos garantidos até 100.000€ ao abrigo da legislação Europeia/Alemã, em caso de falência do banco. A APP funciona bem. Sem problemas ou bugs. Para além de outras funcionalidades, permite efetuar o download dos extratos mensais. A experimentar para quem viajar muito na/para fora da Europa, ou para quem quiser uma segunda conta bancária para criar umas poupanças. 👍

O cartão de débito não tem custo, porém os cartões premium tem custo acima dos concorrentes com os mesmos benefícios. Falta a possibilidade de desactivar função contactless. As transferências são grátis, e até alguns levantamentos sem custo, mas falta muito para quem mora em Portugal. Aqui o cartão não pode ser adicionado ao Google Pay, apesar de disponível em outros países. Não tem suporte em português. Não é registrado como banco em Portugal, então não posso pagar serviços e impostos.

Muito mau. Cada vez que se faz login é preciso confirmar com um código de SMS ou então ter um segundo telemóvel para emparelhar, mesmo assim é preciso receber uma sms. Depois é preciso confirmar o PIN que raramente é reconhecido. Estou farto, desisto desta conta e da app. Felizmente nunca consegui sequer carregar dinheiro nesta conta!

O que há de novo

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!