N26 — Love your bank

N26 Product & Tech 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 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.
- 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.
**The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.

INVEST
- Choose from hundreds of stocks and ETFs*.
- 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.
- Not much time on your hands? Automate your investments with our free, fully-flexible investment plans.

*None of these statements constitute investment advice. Stocks and ETFs are available to eligible customers in Germany, Austria, Ireland, and the Netherlands.

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

Modern and affordable! I'm so glad that they've appeared in Germany. All notifications and online payment authorisations go via the application and NOT to a phone number. For world traveling, it is an important functionality. I wish they would make more clear on the app, the monthly allowance to make deposits (for withdrawals, I already know). The addition of finger print login is warmly welcomed.

Last update broke funds transferring. Since then, I have not been able to use the app to move money from the Main account to a space or vice versa. Not very convenient. When I first noticed the issue, I contacted N26 directly to advise. Have not heard back from them regarding as of this post. If not addressed soon, I will be closing the account, as this is the third overall issue that I've had since opening it.

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.

What's new

Just in time for the end of summer, this update brings with it some essential bug-fixes to keep your app running smoothly — whether you're heading back to work or back to school.

But there's more! Now, eligible customers in Spain can invest in stocks and ETFs right from their N26 app — starting from just €1. Upgrade to N26 You or Metal and get a limited number of free trades per month. ¡A disfrutar!