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Are you ready to change the way you manage your money? Meet N26. Join our waitlist to experience the mobile banking platform designed to help you spend and budget your way.

N26 is a financial technology company, not a bank. In the US, banking services are provided by Axos Bank®, Member FDIC certificate 35546.

Here’s what you can expect with your N26 Visa® debit card:

- No hidden fees
Yes, that’s right — no monthly or annual fees, no overdraft fees, no maintenance charges, and no minimum balance requirement

- 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 Walmart+, Lyft, H&M, Blue Apron, Goodyear 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 money 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.

- Stay in control of your finances
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 through our sponsor bank, Axos Bank®, Member FDIC. Plus, 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 3.67

Bug fixes and performance improvements

Ratings and Reviews

4.5 out of 5
6.5K Ratings

6.5K 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

N26sucks ,

Don’t download

I used N26 banking for about a year. Everything worked fine and no money ever went missing or anything like the other reviews fortunately. But, I ran into a problem and got my account closed even while talking to customer support.
So, I got a notification saying I needed to verify my email by 7/9 so I went to do it this morning. I verified my brand new driver license (just came in the mail yesterday) and took the promoted photos and the system rest itself. I did this again, twice and was locked out. I sat on the phone for about 25 minutes the first call, and my customer service rep was helpful told me it had something to do with my image quality. Okay; maybe I just made a mistake. So I try again; same issue, this is how my morning has been for the past 3 hours. About 5 minutes ago, the final CSR I spoke with let me know that I have tried to verify too many times, and that my account would be closed. I was following the instructions to a tee, and got my account closed and now my savings is gone. I am aware I can try to get my savings but now I have to go through the process of starting a new bank account; waiting to be mailed a new debit card, and reaching out to all the employers I’m supposed to receive money from and let them know my account was closed for something that was not my fault AT ALL. Do NOT download this app or give them your time or service because they do not care at the end of the day.

Developer Response ,

Hi there, we're so sorry to hear about this experience, and we understand your frustration. We do hope that you will sign up again with us, and if you have any questions about your previous account, please do not hesitate to contact our customer support team by phone at 1-888-N26-0-N26 (1-888-626-0626). 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:

  • 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


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