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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 5 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 3.48.2

Bug fixes and performance improvements

Ratings and Reviews

4.8 out of 5
29.2K Ratings

29.2K Ratings

stel.can.ferr ,

La banca del futuro

valeriol7860 il codice per avere 15 euro sulla carta dopo aver fatto una qualsiasi transazione di 15 euro .Uso N26 da ben 2 anni e ne sono pienamente soddisfatto, il conto si apre in circa 10 minuti attraverso il proprio smartphone, dopo l’apertura del conto la carta vi arriva a casa entro 4 giorni , davvero bella , trasparente e bisogna attivarla in app, il conto è davvero Smart si fa tutto dallo smartphone, i prelievi presso qualunque ATM sia nazionali che esteri sono del tutto gratuiti , i bonifici in area SEPA sono gratuiti e arrivano in meno di 24 ore , assistenza in app ben presente , applicazione davvero user friendly, il conto attualmente può essere alimentato solo tramite bonifico oppure in contanti attraverso il servizio cash26 nei supermercati aderenti , in definitiva mi sento di consigliarlo perché a differenza degli altri conti è davvero del tutto gratuito.

Anonimo1234321234321 ,

Un conto con carta a zero spese

filippof9141 con questo codice avreste diritto a 15€ gratis! Che dire ho provato questa carta su consiglio di amici, mi sono trovato benissimo sin da subito.
Vi dico solo alcuni dei vantaggi che da questa carta rispetto a molte altre: prelievi gratuiti illimitati in tutti gli ATM in Italia, bonifici gratuiti, prelievi gratuiti in area Euro, in più c’è una funzione che ti permette di mandare e ricevere denaro istantaneamente con gli altri utenti che hanno N26! Davvero molto utile e comoda questa funzione.
L’applicazione è davvero ben fatta, al suo interno si può tenere traccia di tutte le spese e le entrate registrate, si può bloccare la carta e riabilitarla, ma anche impostare i limiti di prelievo e di pagamento nei negozi.
Inoltre c’è anche una chat che ti permette di parlare con un operatore in pochissimo tempo.
Spero di esservi stato utile, la usa da tempo e continuò a trovarmi benissimo.

Domenico.C ,

La banca che aspettavo

L’app è fantastica, minimale è ben strutturata di facile comprensione.
Verifica ID molto veloce ho ricevuto la mia carta in due settimane, l’ecosistema N26 da all’utente pieno controllo e sicurezza.
Le notifiche delle transazioni arrivano in tempo reale ho tutto sotto controllo al contrario della mia Postepay che ho eliminato visto che era diventata obsoleta con i tempi odierni.
Posso gestire i miei limiti oppure abilitare/disabilitare la carta quando non la uso con un Click.
Non mi porto più dietro il mio portafoglio quando vado a fare la spesa al supermercato perché pago direttamente con il mio iPhone, sono più che soddisfatto.


N26 GmbH
401.6 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.


English, French, German, Italian, Spanish

Age Rating


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