Think banking can’t be fast, flexible, and transparent? Think again. Open an account in 5 minutes to experience mobile banking the world loves. With 3.5 million customers across Europe and over 65,000 five-star reviews worldwide, here are just a few reasons you’ll love banking with N26:
● Open an account in 5 minutes directly from your phone — no long lines, no paperwork, no fuss.
● No hidden fees, no maintenance charges, no insufficient funds fees, no minimum account balance, and no foreign transaction fees when you shop using your N26 card internationally.
● Unlock exclusive discounts and cashback from brands you know and love with N26 Perks.
● Get your paycheck up to 2 days earlier with direct deposit.¹
● Unlimited free ATM withdrawals at over 55,000 Allpoint® locations and 2 no-fee monthly out-of-network withdrawals.²
● Achieve your short and long-term financial goals with Spaces. Set savings targets and transfer money with a single swipe.
● Instantly lock or unlock your card if it’s lost, set spending limits, reset your PIN, enable or disable international payments and more.
● Send and receive money from anyone who banks with N26 using MoneyBeam.
● Refer friends and get paid. Share your referral code with friends and family and receive a cash bonus deposited directly into your account when they sign up.
● Receive instant notifications on all account activity so you know what’s happening with your account in real-time.
● See exactly what you're spending your money on each month with automatically-categorized spending statistics.
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 using 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 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 Fees still apply for international ATM withdrawals.
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.
Bug fixes and performance improvements
Ratings and ReviewsSee All
Amazing & Easy online Banking...
If you’re looking for an Extremely Easy Online Banking experience than N26 is the right choice to make. I have to tell you. It’s been one of the best decision I’ve ever made, when it comes to Online & Mobile Banking. It’s super simple to get set up. ITS FREE! & The features & perks alone are priceless. I can’t forget to mention how Awesome they’re customer service support team is. Always fast and friendly & very quick to respond. If you happen to have a question or an issue. N26 is growing fast & more popular by the day. With the ability to connect just about any Bank or debit card account with N26. Which makes it super easy to transfer, send & receive money in a safe & Secure way. You can even link you Apple Pay to your N26 account. Oh & Did I mention ITS FREE! This is the 1st time I’ve ever felt the need to leave an honest review about an App or experience before. So, I hope anyone who’s reading reviews “like I do before making decisions on what to try & not to try”. I hope you read my review & it’s enough to help you with making that important decision. I haven’t regretted it & I’m sure you won’t either.
Developer Response ,
Hi Gina, we're so happy you're enjoying N26! It makes us happy to see our customers happy. Thank you so much for taking the time to leave your feedback. We really appreciate it. Best, Customer Support Team
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
❤️N26 and with $15 bonus
I love the noon in 26 prepaid card when I first got it I really didn’t understand it very much and my card was locked and I couldn’t figure how to get it unlocked so I kept calling customer service and they kept telling me I can do it from my phone and I couldn’t figure out how to do it for like almost a month and a one day I was sitting in my car thinking there’s got to be a way maybe I just overlooked something so I went back and looked at it and it literally said unlock card one click I was unable to get my money off my account or use the card until then but since then it’s been great has a lot of security features that I like like locking the cards no one can use it. Lol Cons: Only thing I haven’t figured out yet is how to transfer money out of the in 26 account to another card in another account or transferring money out of this account to a prepaid card so if anyone has any suggestions on this please let me know. My ref. For the $15 giovannv7997
Developer Response ,
Hi there, thank you so much for the five star review. We greatly appreciate it! We just wanted to inform you that we're not a pre-paid card, but we are happy you're a customer with us. We're also glad to hear you've been able to use your card. To transfer money out of your N26 account, you can initiate the external transfer through the bank you want to transfer money into. You can also use third party payment processors to transfer money as well (Cash app, PayPal, Venmo, etc.). If you have any other questions, please contact customer support via in-app chat or by phone at 1-888-N26-0-N26 (1-888-626-0626). We're always happy to help. Best, Customer Support Team
Get all of your passes, tickets, cards, and more in one place.
With Family Sharing set up, up to six family members can use this app.