N26 – The Mobile Bank 4+

Bank anywhere, with your phone

N26 GmbH

    • 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.


What’s New

Version 3.86

- Premium customers can now pay from Spaces with virtual and physical cards! Go to the 'Cards' tab and instantly link your card to a Space—then switch it up as often as you like.*
-Using Shared Spaces? Tap on 'Insights' to see who's saving and spending the most in your Shared Space.

*Currently not available in France and Italy.

Ratings and Reviews

4.8 out of 5
13.1K Ratings

13.1K Ratings

H.Strobel ,

Banking kann auch einfach und übersichtlich sein

Top app, auch für Österreich!
Secure code nun auch für die Mastercard!
Zuerst war ich skeptisch, aber es funktioniert tadellos!
Für Überweisungen von österreichischen Banken auf N26 dauert es 1 tag.
Umgekehrt, wenn ich am vormittag überweise ist es bereits am nachmittag am Ö Konto!
Alles tadellos (zumal der support auch sehr flott und hilfsbereit ist)

ThaOldSkywalker ,

Top Top Top

Ja mehr ich dieses Konto verwende umso mehr riesige Vorteile werden mir bekannt:
Einerseits das gebührenfreie Reisen mit N26 Black, danach die MasterCard debit, wodurch die herkömmlichen Kreditkarten überflüssig werden, und das was mich am meisten begeistert hat, ist dass ich bei einer Auslandazahlung nicht 32€ Spesen habe sondern je nach Betrag ca 1-5€ 😄🎉
Dadurch werden nun auch die herkömmlichen Banken mit all dem was sie bieten überflüssig 😌

Vielen Dank N26 dass ihr endlich etwas gegen dieses veraltete Banken System gemacht habt 🙏🏼

csskevin ,

Zum Weiterempfehlen!

Die App funktioniert auch in Österreich einwandfrei. Besonders cool ist, dass alle Abbuchungen in Echtzeit angezeigt werden. Auch das Ändern von Kartenlimits sind in Echtzeit. Der technische Fortschritt ist gegenüber den österreichischen Banken um Längen voraus. Schade nur, dass es in Österreich keine Filialen gibt.

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 based on, for example, the features you use or your age. Learn More


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