N26 — Love your bank 4+

Bank anywhere, with your phone

N26 GmbH

    • 4.6 • 9.2K Ratings
    • Free

iPhone Screenshots


Welcome to the bank you'll love. Bank, save, and invest in one beautifully simple app that's trusted by millions.

– Open your online N26 bank account in minutes — right from your smartphone. Get a physical or virtual Mastercard debit card, add it to Apple Pay, and start using it straight away.
– Pick from our five new virtual card designs and start paying with personality.
– Send money in seconds using MoneyBeam and instant transfers.
– Want even more perks and features? Discover our premium accounts and give your banking experience an upgrade. Choose from N26 Smart, N26 You, and N26 Metal.
– For shared finances, N26 joint accounts come with dedicated IBANs, handy insights, and user-friendly features to make managing your own and your shared expenses easier than ever.
– Self-employed? Handle all your business finances with an N26 business account and get 0.1% cashback for every payment you make with your N26 Mastercard.
– Send money near and far via international money transfers powered by Wise with N26. Just a few taps in your N26 app and your money arrives in 35+ countries with no hidden fees.
– Want to turn future plans into reality today? Split eligible past purchases with N26 Installments, or get approved for an overdraft up to €10,000 in minutes (available in Germany and Austria). With N26 Credit, you can get a loan instantly with no paperwork (the loan maximum depends on the market; our credit loan is available in Germany and France.)
– And if you have questions, contact us day and night via the chat in your N26 app — in five languages.

- With N26 Instant Savings, grow your money with full flexibility, no matter what membership you have. Earn interest on all your savings with no deposit limits** and access your funds anytime.
- Achieve your goals by organizing your money into N26 Spaces sub-accounts, and automate your savings with N26 Round-ups.
- Get spending insights to help you stay on track.

* The interest rate is based on country and membership. Available to eligible N26 customers in 16 countries across Europe, including Germany, Austria, France, Spain, Ireland, and the Netherlands.
**The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.

- Choose from hundreds of stocks, ETFs, and crypto coins.*
- Manage your investments without having to download another app. Get a complete overview of your portfolio, transaction fees, gains, and losses.
- Get 15 free trades for Stocks and ETFs every month with N26 Metal — and 5 with N26 You.

*Check our website for availability in your country. None of the statements constitute investment advice. N26 Crypto is powered by Bitpanda.

— As a fully-licensed German bank built on the latest technology, we’re always working to make sure your money is in safe hands.
— Get control over the security of your account with customizable settings in your N26 app. Lock and unlock your card, change your PIN, set spending limits, and hide your sensitive data from prying eyes — instantly and effortlessly.
— Banking after hours? Turn down the lights and use your N26 app in dark mode. It's yet another layer of personalization to the way you choose to bank.

Imprint and Cookie Policy: n26.com/app

What’s New

Version 4.4

Just in time for summer, this update brings even more flexibility to your favorite banking app. In addition to fixing the usual bugs, we’ve improved our Card Settings. Enable or disable online payments, ATM withdrawals, contactless, or magnetic stripe payments with just one tap.

For customers in Germany, filing your tax exemption order just got easier. Now, you can submit your exemptions for Stock and ETF investments or your Instant Savings account quickly and simply right in the N26 app.

And remember: whether you're traveling, working, or enjoying a well-deserved staycation this season, your app is packed with smart budgeting tools like Spaces, Insights, and Monthly Wrap-Up to help you stay on top of your funds year-round. Happy updating!

Ratings and Reviews

4.6 out of 5
9.2K Ratings

9.2K Ratings

Lisa Falls ,

Best Bank I've ever used!

I absolutely love this bank... I can add money multiple ways so no more struggle to move $ from 1 account to another..Direct deposit, bank transfer, Debit Card, other N26 users and even Google/Apple pay...I used to have to either PayPal from my SOs account to mine or vice versa and then transfer from PayPal to my bank account or put the loaded card on cashapp, add money, replace the card with the I need the money on, and cash out and both ways would cost me 3 - 4 dollars or more each time... Now it's as quick as a regular debit purchase and thanks to Spaces I no longer even need the different accounts because I can just separate my money into bills, fun, savings, etc all in the app in seconds and they all still be part of the same account but spending only comes out of the one I want without unintentionally overlapping or miscalculation thinking I have more to spend than I do. Seriously it's like... All the little "didn't know I needed it til I had it" features... 1card1app1bank. I usually don't do long reviews unless its negative but n26 earned this one.

Developer Response ,

Hi Lisa, we appreciate your review, and we're so glad to hear you're loving N26! We are always working to improve and add features. We'll be sure to pass your feedback to our team as well. Once again, we're so happy you're enjoying N26. Best, Customer Support Team

kylehance ,

BEWARE - Terrible experience!

After having used this as my primary bank for a few months once Simple announced they were shutting down, they randomly required me to do a new ID verification. One problem: both my license and passport had just expired, and this was right before a banking and federal holiday. No biggie, I thought, I’ll just try and reach out to their customer support to see if there’s any other ways to verify my identity to be able to oh idk log in and check my account balance. Good luck getting a hold of anyone!! I went almost a week without being able to check my account balance and got very familiar with the check balance features of ATM’s again. Once state facilities opened back up after the holiday I went in and got my license renewed and got the temporary license while I wait for them to mail my new ID (at least 2 weeks). I also finally got in touch with someone at N26 after several hour-long hold sessions. They refused to assist me and told me if I didn’t have a valid plastic ID in 3 business days they would cancel my account. What??? That’s way fewer days than it takes to actually get a valid ID! I pleaded with them, but they refused to assist me further. I immediately offloaded all my money to a cash app card and sprinted to my nearest local bank and opened an account. Don’t trust these folks with your hard-earned dollars. If I hadn’t been able to figure this out in time I would have been fully screwed and starving.

Developer Response ,

Hi Kyle, we are very sorry to hear about your experience. We will make sure to pass your feedback along to our team because we strive to provide excellent customer service. If you need any other assistance or have any questions please do not hesitate to call our support team at 1-888-N26-0-N26 (1-888-626-0626). Best, Customer Support Team

paytonmada ,


I want to first say that I have never in my life written a bad review for any company or service whatsoever. It is not my personality to do so. However, I feel inclined to warn new users to the COMPLETE SHADINESS of this company before it's too late. My wife and I both opened an N26 account several months ago. We used it for receiving our pay from work, and had a few miscellaneous personal transfers/gifts etc. ALL OF THE SUDDEN in April, BOTH of our accounts were frozen without warning. We couldn't make transfers, purchases or touch our money in any way. After 30 days of sending dozens of emails and having NO RESPONSES and WITHOUT any warning, we were told our accounts would be closed and we needed to provide another bank account for them to transfer our money. They gave no reasoning and once again did not respond to ANY OF OUR EMAILS. Another 30 days went by, and still nothing. No sign of our money, our accounts had both already been closed so we no longer had access to even be reassured that our money was still there. After contacting several 3rd party companies for help in filing official complaints, our money finally showed up after a total of 2.5 months of completely being in the dark and not knowing what was happening. If you feel like I am exaggerating, just google "N26 blocked my account" and read the 100s of OTHER STORIES THE SAME AS OURS. Unless you feel like gambling your money, DO NOT use N26.

Developer Response ,

Hi there, we're very sorry to hear about this. We'd be happy to take a further look into this issue you experienced. Please contact our customer support by phone at 1-888-N26-0-N26 (1-888-626-0626) for further assistance. Best, Customer Support Team

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


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