iPhone Screenshots

Description

Want fast, simple, secure banking with no hidden fees? Meet N26. Open a bank account in 5 minutes from your phone and experience mobile banking the world loves.

No hidden fees
Open a 100% mobile bank account in 5 minutes directly from your phone and experience banking with zero hidden fees. Yes, that’s right — no maintenance charges, no insufficient funds fees, and no minimum account balance.

Get cashback automatically
Save money on gas, groceries, fashion, travel and more with N26 Perks. You’ll earn cashback when you pay with your N26 debit card at thousands of participating businesses, including brands you love like Walmart+, Marathon, Converse, Adidas, and more.

Get paid up to 2 days early¹
You’ll receive your paycheck and other direct deposits up to 2 days early with your N26 debit card.

Save and budget with Spaces
Set savings targets and save money with just a few taps. Supercharge your savings by automatically rounding up your purchases to the nearest dollar.

Free cash withdrawals
Unlimited free ATM withdrawals at over 55,000 Allpoint ®locations. Plus, we’ll reimburse you for 2 out-of-network withdrawals each month — anytime, anywhere in the US.

Banking you control
Manage money directly from your banking app. Instantly lock or unlock your Visa card if it’s lost, set spending limits to avoid overspending, reset your PIN, enable international payments and more.

Safety and security
Your N26 account is FDIC-insured, so you can breathe and bank easier. And with N26, you’re protected from fraudulent purchases with Visa's Zero Liability policy.²

Real-time alerts
Receive instant notifications on all account activity so you know what’s happening with your account 24/7.

Contactless payments
Experience fast and secure cashless payments with Apple Pay®.


¹ 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.

² 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.

Apple and Apple Pay are trademarks of Apple Inc. For a list of compatible Apple Pay devices, see support.apple.com/km207105.
N26's cashback offers are powered by Dosh. View terms and conditions at n26.com/en-us/perks

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 3.63

Bug fixes and performance improvements

Ratings and Reviews

4.6 out of 5
6.1K Ratings

6.1K 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

ashley71244 ,

Took my money.

I was trying to transfer money from another checking account to get started and got an error message. My N26 balance was still showing as $0.00, but the money came out of my old checking account. I started a chat to talk to a representative. First she told me that Apple couldn’t be used with the account at all (in the app it says “beta feature, can be used once”) and to contact Apple. Then she said if my address from my old bank account doesn’t match what N26 was on file, it wouldn’t work. I explained that the transaction did go through and is showing “accepted” on my end. After back and forth, came to the conclusion that despite being a checking account, because I bank with an investment company it wasn’t eligible for deposits to the new account. Still took my money though. It will be 1-2 business days to get a refund and with the weekend coming up, this is very inconvenient. I was extremely disappointed and told the specialist I want to close my account, this was unbelievable. She just asked for name and account number, then started the request. I’m still not entirely clear on why the money was taken from my old checking account and not deposited into N26. No Apple compatibility (then why was this an available feature?), addresses were different, checking account type, debit card. No idea. I was so excited to switch banks and I never thought it would go this way.

Developer Response ,

Hi there, we're sorry to hear about your experience. We'd be more than happy to take a further look into this for you. Please give our customer support a call at 1-888-N26-0-N26 (1-888-626-0626). We want to get this sorted out for you. Best, Customer Support Team

iMoghimi ,

Worst rip off you can ever get!

Ive applied to N26 Metal to use the facilties they have such as the Lounge access. After waiting a month until the card arrives and logging on to their stupid inefficient login process, it turns out to be that the lounge access it not even FREE. Every single bank that advertises a LoungeKey access provides them for Free and that is the whole point of it. If I wanted to pay then I wouldve gotten a regular lounge membership from somewhere else. What is the point of paying a hefty monthly fee when this bank doesnt provide anything special and doesnt even have a proper support! There is no telephone to call, their live chat is not working and plus their emails reply days after.
I requested my account to be cancelled or changed to the free one and they simply didnt! They said that your 30days has been finished and you need to pay for the whole year. This is terrible! It took 2 weeks for the card to arrive and since then I’ve been trying to reset my account password which never worked! NEVER EVER go to them. They provide false advertising, unreliable support and simply no point of it as a bank account! Its just the looks of that stupid metal card.

I would need proper support from N26 to contact me and get this account sorted as I will not pay £15 per month regardless of the 30days passing by when there is nothing for it!

Developer Response ,

Hey, we´re very sorry about your experience with your Metal card so far. Here is some information on what it includes: https://n26.com/en-gb/metal . Additionally, we´re always trying to add new partnerships and features to bring more value to the membership so you can take advantage of the offers. Thank you for your observations, we're really sorry that you were put in such discomfort. We'll forward your feedback to the corresponding departments and we hope you can give us another chance. 🙌

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

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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