N26 — Love your bank

N26 GmbH

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
– Manage all your finances directly from your smartphone and pay with a tap using your virtual N26 Mastercard and Google Pay. Pick from our five new virtual card designs to start paying with personality.
– Transfer money in seconds with MoneyBeam and instant transfers. Send money around the globe quickly, easily, and with no hidden fees.
– Want even more perks and features? Discover our premium accounts and upgrade your banking experience. Choose from N26 Smart, N26 You and N26 Metal.
– For shared finances, N26 joint accounts come with dedicated IBANs, handy insights, and user-friendly features to make managing your own and your shared expenses easier than ever.
– Want to turn future plans into reality today? Split eligible past purchases with N26 Installments, or get approved for an overdraft up to €10,000 in minutes (available in Germany and Austria). With N26 Credit, you can get a loan instantly with no paperwork (the loan maximum depends on the market; our credit loan is available in Germany and France.)
– Self-employed? Handle all your business finances with an N26 business account and get 0.1% cashback for every payment you make with your N26 Mastercard.
– 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 savings with full flexibility, no matter what membership you have. Get up to 4%* interest p.a. with N26 Metal — and access your funds at any time.
- Save for all your goals by organizing your money into N26 Spaces sub-accounts, and automate your savings with N26 Round-ups.
- Get smart tools to help you budget the simple way. Keep track of all your money with Insights.

*The interest rate is based on country and membership. Available to eligible N26 customers in Germany, France, and Spain. Interest rates vary based on country and membership.

INVEST
- Choose from hundreds of stocks, ETFs, and crypto coins* — including Ethereum and Bitcoin.
- Manage your money and your investments without having to download another app. Get a complete overview of your portfolio, transaction fees, gains, and losses.
- Get 15 free trades for Stocks and ETFs every month with N26 Metal — and 5 with N26 You.

*Check our website for availability in your country. None of the statements constitute investment advice. N26 Crypto is powered by Bitpanda.

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. It's yet another layer of personalization to the way you choose to bank.

Imprint and Cookie Policy: n26.com/app

Ratings and reviews

Very difficult experience signing up. I tried photo identity verification with my passport 5 different times (!), and it didn't work. They finally sent me a link to do video identity verification and that worked. Other problems: the app logs you out very quickly, so you have to keep signing in every 5 minutes if idle. The lack of 2-step verification via web is another major flaw, since the app is totally phone dependent. If you lose your phone, or it's stolen, you're out of luck. Use sparingly.

EDIT: After multiple tries to process the payment and restart the app, the problem resolved itself. Overall, I've had a positive experience banking with N26, and I appreciate their quick response in this case. The app worked fine, but then suddenly would not allow me to confirm pending payments. If the app stops me from using one of the basic functions of my card, then what is the point?

N26 pushes you to upgrade by removing more and more basic features. Now if you want to see the balance overview chart, you have to upgrade!? You need a monthly subscription just to get a visual sense of how much income and expenses are on a digital bank account? That has gone too far. N26 used to be good and handy. Now it is 2023 and you can do much more with other competitors.

What's new

While we're busy fixing bugs and improving your app experience, why not check out some of the ways we help you get more for your money? Head to the 'Explore' tab of your N26 app and navigate to 'Rewards' to find a curated list of deals from our partner brands.

Customers in Austria and Germany who invest in stocks and ETFs can now set up investment plans — a way to automate investments that comes at no extra cost. Simply pick the amount you want to invest and how often you want to invest it.