N26 — Love your bank

3.2
131K reviews
5M+
Downloads
Content rating
Everyone
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About this app

🏆 Featured in Forbes World’s Best Banks of 2023 🏆

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 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.

INSTANT SAVINGS
100% flexible savings — as simple and transparent as it can get. Earn interest with no minimum or maximum deposit limits.* Available to eligible N26 customers in Germany and Spain. (*Your funds are protected up to €100,000 by the German Deposit Protection Scheme)

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 Round-ups. 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 and Cookie Policy: n26.com/app
Updated on
14 Mar 2024

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

3.2
129K reviews
Jake Hancock
4 October 2023
The app is awful and customer support is worse. I have had an issue sending transfers about 25% of the time I've had this bank, always because of a technical error on their end, and they are incapable of identifying or resolving the problem. I strongly recommend nobody use this bank. I am looking to switch myself.
14 people found this review helpful
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N26 GmbH
4 October 2023
Hey Jake, we 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 on Twitter or Instagram via @N26 and on the N26 (DE, AT, CH), N26IT, N26FR or N26ES Facebook Pages. Best, Bella, N26 Team.
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.
58 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.
Jen Wenzler
5 August 2020
EDIT: After multiple tries to process the payment and restart the app, the problem resolved itself. Overall, I've had a positive experience banking with N26, and I appreciate their quick response in this case. The app worked fine, but then suddenly would not allow me to confirm pending payments. If the app stops me from using one of the basic functions of my card, then what is the point?
21 people found this review helpful
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N26 GmbH
5 August 2020
Hey Jen, we are sorry to hear that you're unable to confirm transfers as expected. Could you please contact us via our Twitter @N26_Support or Facebook @N26 and provide us with the following code 77986 so we can take a closer look at this with you? Best Regards, Kim, Your N26 Support Team.