N26 — The Mobile Bank

N26

About this app

🏆 Featured in Forbes World’s Best Banks of 2022 🏆

Want to be in full control of your money with just one app? Then meet N26, Europe's first 100% online bank. Say goodbye 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 8 minutes—right from your smartphone. Get a virtual or physical Mastercard debit card, add it to Apple Pay or 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
Get 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.

CRYPTO AND BANKING IN ONE APP
Instantly buy and sell almost 200 different cryptocurrencies—including Bitcoin and Ethereum. (*N26 Crypto is powered by Bitpanda. Check our website for availability in your country. None of the statements constitute investment advice).

CHEAP INTERNATIONAL TRANSFERS
Send money overseas in 38+ currencies with Wise (formerly TransferWise) in your N26 app. Get the real market exchange rate and enjoy lower fees compared to other money transfer services.

SAVE AND BUDGET EASILY
Organize your money quickly with Income Sorter and save more with Roundups. 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 give us a call 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 saving tools
✓ 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
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

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.

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.

Multiple times over the last month, pending transfers cannot be confirmed (and therefore sent) in the app. It doesn't respond to clicking with no indication of error or anything. Customer support confirms this happens to many users. There is no alternative way to confirm and customer support can't even do it manually. With urgent transfers, N26 can't be trusted. I was told just to wait and hope for the app to work in 24 hours.

What's new

We’ve revamped the Send Money screen to make it easier for you to make quick payments. Now your MoneyBeam and SEPA contacts are in one place, — simply select a recipient and make your payment.

If a contact has an N26 badge you can make instant MoneyBeam transfers to their N26 account. If they have no badge, you can send them money with a SEPA bank transfer.