N26 is The Mobile Bank, Europe’s first completely mobile bank, trusted by more than 1.000.000 customers. N26 gives you complete control of your financial life on your phone. Download the N26 app and open an account in less than 8 minutes. Get a Mastercard, activate Google Pay, and enjoy personal banking features like like sub-accounts for organizing your finances and MoneyBeam for instant cash transfers between contacts. Add any number of financial products like overdraft, personal credit, or investments. N26 is banking made simple, modern, and enjoyable.
N26 features include: (those features can vary by country)
Google Pay — the fast, simple way to pay with Google, your phone, and your N26 account. It’s entirely free (available in Germany, Spain, Ireland, Belgium and Slovakia)
Spaces—create sub-accounts for all your goals and keep them all together under one login. Spaces makes it easier to save and gives you much more control over your spending.
MoneyBeam – instant cash transfers using only a contact’s email address or phone number
TransferWise — international money transfers into 19 different currencies
Real-time account activity push notifications
In-app card control to lock or reorder your card, enable payments abroad, enable online payments, and set withdrawal and payment limits
Automatic spending categorization
Up to 5 free ATM withdrawals per month from any ATM, based on a Fair Use policy
N26 products include:
N26 free bank account and free Mastercard
N26 Black — premium account and Mastercard with comprehensive insurance coverage
N26 Business — account and Mastercard for freelancers and self-employed customers with 0.1% cashback on all purchases
N26 Metal — our exclusive card for the digital generation
N26 Business Black —our premium account for freelancers with comprehensive insurance coverage and free withdrawals abroad.
N26 Overdraft — overdraft up to €1.000 with 8,9% interest rate approved within minutes, and up to €5.000 for existing customers (available in Germany and Austria)
N26 Credit — paperless personal credit loan between €1.000 and €25.000 (available in Germany, Austria and France)
N26 Invest — long-term investment tool with low minimum principal and automatic periodic contributions (available in Germany)
N26 Savings – fixed term savings account with high interest rates up to 1,48% (available in Germany and Austria)
N26 Insurance – digital insurance dashboard to manage all your policies in one place (available in Germany)
Safety & Security
Your money is protected by the German Deposit Protection Fund up to €100.000
Your data is secured according to German data protection requirements
Your transactions are 3D Secure for additional authentication and fraud protection using Mastercard SecureCode
Ideas & Feedback
We’re able to create an awesome product because you give us awesome ideas and feedback. Email us at firstname.lastname@example.org or comment in the app (Control Center > Service > Product Ideas).
N26 has been featured internationally by publications like TechCrunch, WIRED, The Financial Times, Forbes, Die Zeit, Süddeutsche Zeitung, Spiegel, BILD, FAZ and many more. N26 has more than 14.000 five-star ⭐⭐⭐⭐⭐ reviews.