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Want fast, flexible, and transparent banking? Meet N26. Open an account in 5 minutes and experience mobile banking the world loves. With 7 million customers across the U.S. and Europe and over 65,000 five-star reviews worldwide, N26 leads the way in modern online banking. Here are just a few reasons why you’ll love banking with N26:

- Get started fast: Open an account in 5 minutes directly from your phone — no long lines, no paperwork, no fuss.
- No hidden fees: Yes, that’s right — no maintenance charges, no insufficient funds fees, no minimum account balance, and no foreign transaction fees when you shop using your N26 card internationally.¹
- N26 Perks: Unlock exclusive discounts and cashback from brands you know and love.
- Get paid early: Hate waiting for payday? Get paid up to 2 days earlier² with direct deposit.
- Unlimited free ATM withdrawals at over 55,000 Allpoint® locations and 2 no-fee monthly out-of-network domestic withdrawals.
- Save with Spaces: Set savings targets and transfer money with a single swipe. Achieve your short and long-term financial goals faster with Spaces.
- Real-time alerts: Receive instant notifications on all account activity so you know what’s happening with your account 24/7.
- Secure banking: Instantly lock or unlock your card if it’s lost, set spending limits to avoid overspending, reset your PIN, enable or disable international payments, and more.
- Contactless payments: Experience fast and secure cashless payments with Apple Pay®
- Transfer cash with MoneyBeam: Send and receive money from anyone who banks with N26 instantly.

Safety and security:

- Your N26 account is FDIC-insured, which means your money is protected up to $250,000, so you can breathe and bank easier.
- Keep your account secure by logging in with fingerprint or face recognition.
- You’re protected from fraudulent purchases with Visa's Zero Liability policy.³
- Have a question? We’re here for you whenever you need us via our in-app support chat feature, by phone, or email.


¹ Fees still apply for international ATM withdrawals.

² Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay the availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instructions.

³ Visa’s Zero Liability Policy covers U.S.-issued cards only and does not apply to certain commercial card transactions or transactions not processed by Visa. You must notify your card issuer immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

The N26 Account is offered by Axos Bank®, Member FDIC. N26 is a service provider of Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. The N26 Visa® Debit Card is issued by Axos Bank pursuant to a license by Visa U.S.A. Inc. The N26 Visa Debit Card may be used everywhere Visa debit cards are accepted.

N26 Inc. does not currently offer or provide banking services on its own behalf or for its affiliates and is not a bank. N26 Inc. is wholly owned by N26 GmbH, which is also the parent company of N26 Bank GmbH. N26 Bank GmbH is a non-US bank, is not FDIC-insured, and does not offer or provide banking services in the United States or to US residents.

What’s New

Version 3.57

Bug fixes and performance improvements

Ratings and Reviews

4.8 out of 5
10.2K Ratings

10.2K Ratings

alfi.68 ,

Super Bank

valeriol7860 den Code um 15 Euro auf die Karte zu bekommen, nachdem eine 15-Euro-Transaktion durchgeführt wurde. Ich benutze N26 seit 2 Jahren und bin vollkommen zufrieden damit. Das Konto wird in ca. 10 Minuten über Ihr Smartphone geöffnet. Nachdem Sie das Konto bereitgestellt haben, kommt die Karte innerhalb von 4 Tagen zu Hause an. Sehr schön, transparent und Sie müssen sie in der App aktivieren. Das Konto ist wirklich intelligent. Sie können alles von Ihrem Smartphone aus erledigen. Abhebungen an in- und ausländischen Geldautomaten sind völlig kostenlos. Überweisungen im SEPA-Bereich sind kostenlos und in weniger als 24 Stunden angekommen. Die Unterstützung in der App ist gut vorhanden. wirklich benutzerfreundliche Anwendung, das Konto kann derzeit nur per Banküberweisung oder in bar über den Cash26-Service in teilnehmenden Supermärkten eingezogen werden, letztendlich würde ich es empfehlen, da ein Unterschied zu den anderen Konten wirklich völlig kostenlos ist.

Technewzer ,


N26 ist in Verbindung mit Apple Pay unschlagbar! Die App ist umfangreich und dennoch übersichtlich, das Angebot an Karten groß (kostenlos, Karte mit Versicherungsschutz, Premium Karte) und die erstmalige Registrierung klappt in wenigen Minuten. Ich kann N26 bedenkenlos weiterempfehlen!

silikoner ,

Warum muss immer rumgebastelt werden

Vorher war in der Mitte das + wo ich alles wichtige erreichen konnte jetzt ist das rechts und ich muss als Linkshänder die zweite Hand nehmen, warum??

App Privacy

The developer, N26 GmbH, has 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 based on, for example, the features you use or your age. Learn More


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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