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N26 is The Mobile Bank, Europe’s first completely mobile bank, trusted by more than 3,5 million customers in 26 markets. N26 gives you complete control of your financial life on your phone. Download the N26 app and open an account in minutes. Get a Mastercard, activate Apple Pay, and enjoy personal banking features like sub-accounts for organizing your finances and MoneyBeam for instant cash transfers. Add any number of financial products like overdraft and personal credit. N26 is banking made simple, modern, and enjoyable.

N26 features include (availability may vary by country):
- Spaces—create sub-accounts for all your goals to making savings and even budgeting easier
- MoneyBeam––send instant cash transfers to contacts, or using just an email address or phone number
- TransferWise—make international money transfers in 19 different currencies
- Apple Pay—make quick and easy payments using your Apple devices in stores, online, and in apps (available in Austria, Belgium, Denmark, Estonia, Germany, Greece, Finland, France, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the United Kingdom)
- Real-time account activity push notifications
- In-app card control to lock or reorder your card, enable payments abroad and online transactions, and set withdrawal and payment limits
- Automatic spending categorization
- Up to 5 free ATM withdrawals per month from any ATM, based on our Fair Use policy

N26 products include:
- N26 free bank account and Mastercard debit card
- N26 You—premium account and Mastercard debit card with extensive insurance coverage
- N26 Business—an account and Mastercard debit card for freelancers and self-employed customers with 0.1% cashback on all purchases
- N26 Business You—our premium account for freelancers with extensive insurance coverage and free withdrawals abroad
- N26 Metal—our exclusive account and metal debit card for the digital generation. Choose from 3 stunning colors: charcoal black, quartz rose, and slate grey
- N26 Overdraft—overdraft up to €1.000 with 8.9% interest rate approved within minutes, and up to €10.000 for existing customers (available in Germany and Austria)
- CASH26––use a QR code to get unlimited free account withdrawals and deposit up to €100 cash for free per month at participating stores. (Available in Germany, Austria and Italy.)
- N26 Credit—paperless personal credit loan between €1.000 and €25.000 (available in Germany, Austria and France)
- 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

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 100,000 five-star reviews worldwide.


Versão 3.38

Introducing Rules! The latest saving and budgeting feature for your Spaces sub-accounts.

Rules lets you create a recurring transfer between your main account and a space. For example, create a Rule to automatically move €50 each month into your ‘Thailand 2020’ space, then sit back and watch those savings grow! Or move your rent money into a space when you get paid, then back into your main account when the rent is due, so you never overspend – Rules is the perfect antidote for seasonal excess!

Happy upgrading!

Avaliações e opiniões

4.7 de 5
3.5 mil avaliações

3.5 mil avaliações

MrBillyASmith ,

Thank you to N26!

First off I would like to thank you to N26 for coming to the US! I am confident with the service so far and the banking experience. Yes I would like to use Apple Pay and do cash deposits among other things that N26 offer but you all we do have to understand in the banking work it takes time for things to happen. So I am remaining optimistic. One of my favorite things that it has is Spaces where I can save for various things. Now I understand these are not savings accounts and do not draw interest. Most savings account of today interests rates are low are capped at a certain amount just to earn a high interest. I rather deal without a savings rate because it’s not a lot of earnings anyways. I love the way N26 encourages saving your money to Spaces! I believe the N26 will continue improve in due time. We just got to give it time because remember nothing happens at all overnight. Thanks for the customer service and the overall service. I give it 5 stars!

Resposta do desenvolvedor ,

Hi there, thank you for the thoughtful feedback you have provided us. We take feedback very seriously and will make sure to pass this along internally. We are so glad when our customers are happy. Please continue to stay tuned on social media for new feature updates. Best, Customer Support Team

iMoghimi ,

Worst rip off you can ever get!

Ive applied to N26 Metal to use the facilties they have such as the Lounge access. After waiting a month until the card arrives and logging on to their stupid inefficient login process, it turns out to be that the lounge access it not even FREE. Every single bank that advertises a LoungeKey access provides them for Free and that is the whole point of it. If I wanted to pay then I wouldve gotten a regular lounge membership from somewhere else. What is the point of paying a hefty monthly fee when this bank doesnt provide anything special and doesnt even have a proper support! There is no telephone to call, their live chat is not working and plus their emails reply days after.
I requested my account to be cancelled or changed to the free one and they simply didnt! They said that your 30days has been finished and you need to pay for the whole year. This is terrible! It took 2 weeks for the card to arrive and since then I’ve been trying to reset my account password which never worked! NEVER EVER go to them. They provide false advertising, unreliable support and simply no point of it as a bank account! Its just the looks of that stupid metal card.

I would need proper support from N26 to contact me and get this account sorted as I will not pay £15 per month regardless of the 30days passing by when there is nothing for it!

Resposta do desenvolvedor ,

Hey, we´re very sorry about your experience with your Metal card so far. Here is some information on what it includes: . Additionally, we´re always trying to add new partnerships and features to bring more value to the membership so you can take advantage of the offers. Thank you for your observations, we're really sorry that you were put in such discomfort. We'll forward your feedback to the corresponding departments and we hope you can give us another chance. 🙌

tctrevor ,

Disappointed with the N26 business account

I got a business account and the first thing I did is transfer some money to myself from my other account and then to a couple clients in USA and Indonesia through the N26 business account. I was told to use transfer wire. It said I can’t transfer any money internationally or receive any money from a non SEPA country using N26 business. What’s the point having a business account if I can’t receive or send money anywhere in the world. I’m being limited by my bank where I can and cannot do business. Imagine me on a business travel in a non SEPA country being able to cash out money from any atm but can’t receive money from there. What’s the point? I was later told to close my business account and apply for a new personal account. Which is again annoying. I expected better from a bank that promises to break any banking barriers.
It means they want me to use another bank as my primary bank account to receive or transfer money to my non SEPA clients or during my travel. There are some advantages of holding a N26 business account but this is a real deal breaker not being able to transfer or receive money to anyone I want. So my suggestion to anyone who wants to get a business account is get a personal account or just go to another bank.


N26 GmbH
319.6 MB

Requer o iOS 11.0 ou posterior. Compatível com iPhone, iPad e iPod touch.


Alemão, Espanhol, Francês, Inglês, Italiano

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