N26 — Love your bank

133K reviews
Content rating
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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:

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.

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.

Earn interest on your savings with full flexibility and no minimum or maximum deposit limits*. The interest rate is based on country and membership. Available to eligible N26 customers in Germany and Spain.
(*Your funds are protected up to €100,000 by the German Deposit Protection Scheme)

Invest the simple way without having to switch apps. Buy stocks, ETFs, and cryptocurrencies like Bitcoin and Ethereum right in your N26 app*. (*N26 Crypto is powered by Bitpanda. Check our website for availability in your country. None of the statements constitute investment advice).

Send money around the globe quickly and easily — powered by Wise and right in your N26 app.

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.

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
✓ N26 joint accounts: Simplify your shared finances with a dedicated IBAN and insights. Check availability in your market

✓ Different business bank accounts for businesses, freelancers, and self-employed customers with N26 features such as cashback, Mastercard, insurances, sub-accounts, budgeting tools, and many more

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
17 May 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.
This app may share these data types with third parties
Location, Personal info and 8 others
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

131K reviews
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.
63 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?
23 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.
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.
67 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.

What's new

While we're busy fixing bugs and improving your app experience, why not share the love?

Invite friends and family to N26 and you can earn a tasty cash bonus — it's win-win! Just head to the 'Explore' tab to share your unique referral code.