N26 — Love your bank 4+

Bank anywhere, with your phone

N26 GmbH

    • Free

iPhone Screenshots


** Listed in Forbes’ World’s Best Banks 2023 **

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

Over 8 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 online bank account in minutes — right from your phone. Get a virtual or physical Mastercard debit card, add it to Apple Pay, and start using it straight away.

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

Get instant push notifications for every incoming and outgoing transaction.

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.

Earn interest on your savings with full flexibility and simple conditions. Availability and interest rate depend on N26 membership and market.

Invest the simple way without having to switch apps. Buy stocks, ETFs, and cryptocurrencies like Bitcoin and Ethereum right in your N26 app*. (*N26 Crypto is powered by Bitpanda. Check our website for availability in your country. None of the statements constitute investment advice).

Send money around the globe quickly and easily — powered by Wise and right in your N26 app.

Organize your money quickly with Income Sorter and save more with Round-ups. The Monthly Wrap-Up makes it even easier to stay on top of your expenses.

Send and receive instant bank transfers within the SEPA area. 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 protection.

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 travel insurance a colorful Mastercard, and free withdrawals abroad
— N26 Metal: the exclusive bank account with an insurance package, metal Mastercard, priority support hotline, exclusive N26 Crypto* perks, and free withdrawals abroad

For freelancers and 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 travel insurance, a colorful Mastercard, and free withdrawals abroad
— N26 Business Metal: the exclusive account with an insurance package, 0.5% cashback, a metal Mastercard, and free withdrawals abroad

N26 Products include:
— N26 Overdraft: get approved in minutes for an overdraft up to €10,000 (available in Germany, Austria)
— N26 Credit: take out a credit loan of €1,000 to €50,000 with no paperwork (The loan maximum depends on the market; our credit loan is available in Germany and France.)
— N26 Insurance: purchase on-demand insurance in your app to protect what you love

N26 has been featured internationally by TechCrunch, WIRED, The Financial Times, Forbes, Die Zeit, Süddeutsche Zeitung, Spiegel, BILD, FAZ, and many more.

Imprint and Cookie Policy: n26.com/app

What’s New

Version 3.126

Time for another update! This one gives you even more control over your finances. Now you can block and unblock direct debits right in your N26 app — with no paperwork, no hassle, and no need to contact Customer Support.

For customers with a personal N26 account, we’ve also improved our foreign currency transfer feature. One of these improvements is in the 'Review details' screen, where you'll now clearly see the amount that'll be sent to the recipient after the fee has been deducted.

Ratings and Reviews

4.8 out of 5
16.1K Ratings

16.1K 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 🙏🏼

Fritz_B ,


Eine interessante Lösung, aber
- ATM Map zeigt so gut wie keine Standorte. Daher derzeit sinnlos.
- Daueraufträge erfassen und verwalten? Bitte suchen, da nicht gut integriert.
- Abweichungen zur Web App in den Feldern
- Savings für österreichische Kunden - wie angekündigt - klappt nicht! „In ihrem Land noch nicht verfügbar.“
- Button für „Freunde werben“ belegt wertvollen Platz am Bildschirm, welcher gut z.B. für Daueraufträge verwendet werden könnte.

Daher bitte weiter verbessern! Es gibt viel zu tun!

Developer Response ,

Hey Fritz, vielen Dank für dein Feedback sowie Verbesserungsvorschläge.
N26 Savings wird in Kürze für alle entsprechenden Kunden aus Österreichen zur Verfügung stehen. Wir bitten an dieser Stelle noch ein bisschen mehr Geduld - vielen Danl!

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:

  • Identifiers
  • Usage Data

Data Linked to You

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

  • Location
  • Contact Info
  • User Content
  • Identifiers

Data Not Linked to You

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

  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

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


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