N26 — The Mobile Bank

119K reviews
Content rating
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About this app

🏆 Listed in Forbes’ World’s Best Banks 2022 🏆

Want to be in full control of your money with just one app? Meet N26, Europe's first 100% mobile bank. Say bye to hidden bank fees, long queues, and endless paperwork.

Over 7 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 bank account in 8 minutes—right from your phone. Get a virtual or physical debit Mastercard, add it to Google Pay, and start spending with your debit card before it arrives in the mail.

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

Receive instant push notifications for every incoming and outgoing transaction.

Instantly 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 in your N26 app.

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

Effortlessly organize your money in Spaces sub-accounts, or spend and save money with up to 10 others in Shared Spaces. Want to budget better? Statistics categorizes and tracks your payments in real time, so a quick glance is all it takes to stay on track.

Instantly send and receive free bank transfers via MoneyBeam with just an email address or phone number. Need cash? 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. Enjoy peace of mind when shopping online with 3D Secure 2-factor authentication.

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 tools to spend and save with confidence
✓ N26 You: the premium bank account with a colorful Mastercard, free withdrawals abroad and travel insurance
✓ N26 Metal: the exclusive account with a metal Mastercard, priority support hotline, free withdrawals abroad and extensive insurance

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 a colorful Mastercard, travel insurance, and free withdrawals abroad
✓ N26 Business Metal: the exclusive account with 0.5% cashback, a metal Mastercard, free withdrawals abroad, and extensive insurance

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 €25,000 with no paperwork (available in Germany, France)
✓ N26 Savings: Open a fixed-term savings account online and earn up to 1.15% interest (available in Germany, Austria)
✓ N26 EasyFlex Savings: Earn competitive daily interest on your savings without locking it away (available in Germany)
✓ N26 Insurance: Buy insurance on-demand in your app, and protect what you love (available in Germany)

Alongside over 79,000 five-star ⭐⭐⭐⭐⭐ reviews worldwide, N26 has been featured in international publications such as TechCrunch, WIRED, The Financial Times, Forbes, Die Zeit, Süddeutsche Zeitung, Spiegel, BILD, FAZ, and more.

Updated on
4 Aug 2022

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
119K reviews
A Google user
6 June 2019
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.
7 people found this review helpful
Did you find this helpful?
6 June 2019
Oh no! We sincerely apologize for the troubles you've had with the app. We'd be happy to take a look into this for you, please contact us at support@n26.com. Thank you.
A Google user
2 November 2019
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.
24 people found this review helpful
Did you find this helpful?
2 November 2019
Good afternoon Gabe. We sincerely apologize for the troubles you've had with the app. We'd be happy to take a look into this for you, please open a chat with our Customer Support so we can advise you on how to proceed. You can also contact us sending an email to support@n26.com. Thank you.
Jonathan Brandenburg
6 June 2020
It's a decent banking option, the reason for 4 stars and not 5 stars is because they don't have to option to deposit checks from within the mobile app. Seems like every bank I have ever dealt with within the past 5 years or so that has mobile banking offers check deposits. Not them, but...what makes up for that missing option is the option to add money into your account using a debit card. That is an option no other bank that I know of allows. There is a small fee for the transaction, so what.
16 people found this review helpful
Did you find this helpful?
8 June 2020
Hey Jonathan, thank you for your kind review. We're happy to hear you like our most recent top-up option. We'll pass your feedback regarding check deposits on internally for discussion. We also welcome feedback to ideas@n26.com. Best Regards, Peter, N26 Support.

What's new

- Premium customers can now pay from Spaces with virtual and physical cards! Go to the 'Cards' tab and instantly link your card to a Space—then switch it up as often as you like.*
- Using Shared Spaces? Tap on 'Insights' to see who's saving and spending the most in your Shared Space.
*Currently not available in France and Italy.