N26 – The Mobile Bank 4+

Bank anywhere, with your phone

N26 GmbH

    • 4.6 • 7.6K Ratings
    • Free

iPhone Screenshots


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

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

Over 7 million customers in 24 countries trust N26 to save, spend, and manage their finances 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 Apple Pay, and start spending with your bank card before it arrives in the mail.

Enjoy no ATM fees, no minimum account balance, and no foreign transaction fees. Go premium to get free ATM withdrawals worldwide.

Receive instant push notifications for every incoming and outgoing transaction. You’ll always know what’s happening in your account.

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 every time.

Effortlessly organize your money in Spaces sub-accounts, or spend and save together with up to 10 others in Shared Spaces. Want to budget better? Use Statistics to track your spending in real time, broken down into helpful categories.

Send and receive instant bank transfers within the SEPA area—your money will arrive in seconds. Need cash? Enjoy free ATM withdrawals, or try CASH26 to withdraw or deposit cash at 15,500+ retail stores in Germany, Austria, Italy, Spain and Greece.

Unlock exclusive offers from brands you love.

N26 is a fully-licensed bank, and your money is protected up to €100,000 by the German Deposit Protection Scheme. Shopping online? Enjoy peace of mind with 3D Secure 2-factor authentication.

Our N26 Specialists are here to help, 24/7. Reach us via live chat, or give us a call on the N26 premium customer hotline.

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 bank account with a metal Mastercard, priority support hotline, free withdrawals abroad, and an insurance package

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 an insurance package

N26 Products include:
— N26 Overdraft: Get approved in minutes for an overdraft up to €10,000 (available in Germany, Austria)
— N26 Credit: Get a credit loan of €1,000 to €25,000 with zero paperwork (available in Germany, France)
— N26 Savings: Open a fixed-term savings account 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: Purchase on-demand insurance in your app to protect what you love (available in Germany)

N26 has been featured internationally by TechCrunch, WIRED, The Financial Times, Forbes, Die Zeit, Süddeutsche Zeitung, Spiegel, BILD, FAZ, and many more. N26 has over 298,000 five-star reviews worldwide.

Imprint & Cookie Policy:

What’s New

Version 3.89

Get a more detailed look at your Shared Spaces!

In Insights you can now filter outgoings by name to see the total amount each person in your Shared Space has sent and spent.

Ratings and Reviews

4.6 out of 5
7.6K Ratings

7.6K Ratings

Lisa Falls ,

Best Bank I've ever used!

I absolutely love this bank... I can add money multiple ways so no more struggle to move $ from 1 account to another..Direct deposit, bank transfer, Debit Card, other N26 users and even Google/Apple pay...I used to have to either PayPal from my SOs account to mine or vice versa and then transfer from PayPal to my bank account or put the loaded card on cashapp, add money, replace the card with the I need the money on, and cash out and both ways would cost me 3 - 4 dollars or more each time... Now it's as quick as a regular debit purchase and thanks to Spaces I no longer even need the different accounts because I can just separate my money into bills, fun, savings, etc all in the app in seconds and they all still be part of the same account but spending only comes out of the one I want without unintentionally overlapping or miscalculation thinking I have more to spend than I do. Seriously it's like... All the little "didn't know I needed it til I had it" features... 1card1app1bank. I usually don't do long reviews unless its negative but n26 earned this one.

Developer Response ,

Hi Lisa, we appreciate your review, and we're so glad to hear you're loving N26! We are always working to improve and add features. We'll be sure to pass your feedback to our team as well. Once again, we're so happy you're enjoying N26. Best, Customer Support Team

kylehance ,

BEWARE - Terrible experience!

After having used this as my primary bank for a few months once Simple announced they were shutting down, they randomly required me to do a new ID verification. One problem: both my license and passport had just expired, and this was right before a banking and federal holiday. No biggie, I thought, I’ll just try and reach out to their customer support to see if there’s any other ways to verify my identity to be able to oh idk log in and check my account balance. Good luck getting a hold of anyone!! I went almost a week without being able to check my account balance and got very familiar with the check balance features of ATM’s again. Once state facilities opened back up after the holiday I went in and got my license renewed and got the temporary license while I wait for them to mail my new ID (at least 2 weeks). I also finally got in touch with someone at N26 after several hour-long hold sessions. They refused to assist me and told me if I didn’t have a valid plastic ID in 3 business days they would cancel my account. What??? That’s way fewer days than it takes to actually get a valid ID! I pleaded with them, but they refused to assist me further. I immediately offloaded all my money to a cash app card and sprinted to my nearest local bank and opened an account. Don’t trust these folks with your hard-earned dollars. If I hadn’t been able to figure this out in time I would have been fully screwed and starving.

Developer Response ,

Hi Kyle, we are very sorry to hear about your experience. We will make sure to pass your feedback along to our team because we strive to provide excellent customer service. If you need any other assistance or have any questions please do not hesitate to call our support team at 1-888-N26-0-N26 (1-888-626-0626). Best, Customer Support Team

paytonmada ,


I want to first say that I have never in my life written a bad review for any company or service whatsoever. It is not my personality to do so. However, I feel inclined to warn new users to the COMPLETE SHADINESS of this company before it's too late. My wife and I both opened an N26 account several months ago. We used it for receiving our pay from work, and had a few miscellaneous personal transfers/gifts etc. ALL OF THE SUDDEN in April, BOTH of our accounts were frozen without warning. We couldn't make transfers, purchases or touch our money in any way. After 30 days of sending dozens of emails and having NO RESPONSES and WITHOUT any warning, we were told our accounts would be closed and we needed to provide another bank account for them to transfer our money. They gave no reasoning and once again did not respond to ANY OF OUR EMAILS. Another 30 days went by, and still nothing. No sign of our money, our accounts had both already been closed so we no longer had access to even be reassured that our money was still there. After contacting several 3rd party companies for help in filing official complaints, our money finally showed up after a total of 2.5 months of completely being in the dark and not knowing what was happening. If you feel like I am exaggerating, just google "N26 blocked my account" and read the 100s of OTHER STORIES THE SAME AS OURS. Unless you feel like gambling your money, DO NOT use N26.

Developer Response ,

Hi there, we're very sorry to hear about this. We'd be happy to take a further look into this issue you experienced. Please contact our customer support by phone at 1-888-N26-0-N26 (1-888-626-0626) for further assistance. Best, Customer Support Team

App Privacy

The developer, N26 GmbH, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • User Content
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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