N26 is The Mobile Bank, Europe’s first completely mobile bank, trusted by more than 5 million customers in 25 markets. N26 gives you complete control of your financial life on your phone. Download the N26 app, open an account in minutes and start paying with your card before it even arrives in the mail. Get a Mastercard, activate Apple Pay, and enjoy personal banking features like sub-accounts for organizing your finances and MoneyBeam for instant cash transfers. 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 make savings and budgeting easier, and set Rules to move money over automatically. Thanks to Shared Spaces, you can also save together with friends and family members that are also using N26.
- MoneyBeam––send instant cash transfers to contacts, or using just an email address or phone number
- 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 and Switzerland)
- 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
- TransferWise – flexible foreign currency transfers in 36 currencies.
- Dark Mode – now available with your N26 app, and seamlessly integrated with your device’s light/dark settings
- 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 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 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 Business Metal—our most premium account for entrepreneurs, freelancers and the self-employed, with 0.5% cashback, insurance and free withdrawals abroad
- 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 withdraw and deposit funds at participating stores. (Available in Germany, Austria and Italy.)
- N26 Credit—paperless personal credit loan between €1.000 and €25.000 (available in German and France)
- N26 Savings––fixed term savings account with high interest rates up to 1.48% (available in Germany and Austria)
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.
With this update, we've improved the overall performance of your app and fixed some small bugs. Most importantly, we've launched Dark Mode so you can now adapt your N26 experience to your device's light/dark settings for better money management after-hours. We've also expanded the selection of currencies available when making an international foreign currency transfer with TransferWise – find the feature seamlessly integrated in your app. Enjoy!
Beoordelingen en recensiesBekijk alles
luigia0329 the code to get 15 euro on the card after making a 15 euro transaction. I have been using N26 for 2 years and I am fully satisfied, the account opens in about 10 minutes via your smartphone, after opening the account the card arrives at your home within 4 days, really beautiful, transparent and you have to '' active the app, the account is really smart, you can do everything from your smartphone, withdrawals at any domestic and foreign counter are completely free, transfers in the SEPA area are free and arrive in less than 24 hours, assistance in very present application, really user friendly application, the account can currently be powered only by bank transfer or cash through the cash26 service in the participating supermarkets, in the end I would recommend it because unlike other accounts it is really completely free.
Pretty good for a free mobile bank!
Opened a free account here recently, observations:
- really free under normal usage (eg max 5 ATM withdrawals per month)
- excellent exchange rates
- decent mobile app (+ website!)
- easily save/organise money using “Spaces”
- push notifications for all account activity
- debit MasterCard
- Apple Watch app is broken (crashes 80% of the time; large complication shows wrong info, small complication is just a logo and doesn’t show account balance, like e.g. Revolut does)
- Maestro card not available in Belgium, where MasterCard is not accepted most of the times at local merchants... unfortunately, this is a pretty big deal and in practice forces you to use N26 as a ‘secondary bank account’ only, since you always have to carry another Maestro card from another bank with you
- Can only top up through bank transfer (or from other N26 users; no other instant top-up options)
- App appears to be a bit buggy at times (requiring to login again using long password instead of Touch ID, overlapping UI elements on the main screen, ...)
- you can only keep 2 Spaces on the free account (need to upgrade for more)
- No Apple Pay yet in Belgium (and no info on when it will be available)
(also, yesterday I used my card at a store and a few minutes later took some cash out of an ATM; didn’t get any notifications for either transaction and it took 2 hours or so before the app showed the correct updated balance; not sure though if this is a one-time issue or if it will happen more frequently)
Reactie van ontwikkelaar ,
Thanks for taking the time to let us know and specifically outline the issues you have with the app. We take this sort of feedback very seriously, so we will be passing this on for you.
The best bank the best support!!!
Bewaar al je passen, tickets, kaarten en meer op één plek.
Delen met gezin
Tot zes gezinsleden kunnen deze app gebruiken als Delen met gezin staat ingeschakeld.