N26 — Love your bank

127K reviews
Content rating
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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:

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.

Enjoy no ATM fees, no minimum account balance, and no foreign transaction fees.

Get instant push notifications for every incoming and outgoing transaction.

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.

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).

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.

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.

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.

N26 is a fully-licensed bank, and your money is protected up to €100,000 by the German Deposit Protection Scheme.

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.

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
Updated on
18 Sept 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

125K reviews
Kei Cheung
30 August 2023
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.
32 people found this review helpful
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N26 GmbH
4 September 2023
Hey Kei, thanks for sharing your feedback, we'll pass it on to our product team. We are always looking to improve our products and offerings, feel free to contact us to share your ideas. We're available on Twitter via @N26_Support, on Instagram via @N26 or on the N26IT, N26FR, or N26ES Facebook pages. Best, Bella, N26 Team.
Curse of Black Death
25 July 2023
Edit: issue quickly dealt with. Happy with the service as always. Cannot log in due to cookie settings. Everytime i enter my password, it asks me to update the permissions. After accepting all cookies, it sends me back to the log in screen and repeats the process. Please help fix the issue so I can change this to a higher rating. I am usually very pleased with the service I receive through this company.
8 people found this review helpful
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L. Temes
21 September 2022
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.
52 people found this review helpful
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N26 GmbH
22 September 2022
Hey, Thanks for the feedback. We're sorry to hear of the bumpy start signing up. Security is our top priority and we have secure ways of helping you back into the account should you lose your linked phone. Best, Peter - N26 Support.