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.
- Earn our highest interest rate, linked to the ECB with N26 Metal.***
- 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.
***Offer for new N26 customers who open an N26 Metal account from 19/2/25. Interest rate corresponds to the current European Central Bank deposit facility rate and is subject to change.

INVEST
- Trade thousands of stocks and ETFs for free — 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

That bank is totally a mess. The security is so complicated and it doesn't even work properly. I had to go over and over again the security check with an endless verification factors that at the end doesn't even work. No matter what pin you put it says isn't not secure! So why they ask to put a pin that it will not be secure?!?! Literlty I don't see any benefit from this app and bank In response of the developer team. Any combination in pin doesn't work with different numbers. Read carefully!

The app has a bug which often fails to allow me to confirm transfers, and the only way to fix that problem is to uninstall and reinstall the app (and go through several steps to link your phone back to your account). A few times, I wasn't aware the transfer didn't go through, and I was late on my payments. As far as the bank service goes, I'm pleased with the ease, but it's frustating to only be able to access my finances within a buggy app. Fix the bug, and you have a first-rate service.

I've been trying out different online banks and while I had high hopes for this one, it is lagging behind. Currently there is no way that I can find to deposit a check from the mobile app, and while the card has tap-to-pay they do not support Samsung or Google pay for in-store payments. There is also no interest-bearing savings account available, only spaces where you can set money aside making it unavailable to spend using your debit card. It will be awhile before this can replace my bank.

What’s new

’Tis the season to update your app! You can now unwrap four free, limited-edition virtual cards to add some extra cheer to your holiday shopping — available in the Cards tab until December 31. We've also made the Home tab even better: a new module now lets you see all the benefits of your N26 account at a glance. Happy updating!