N26: Smarter Banking Made Simple
N26 is a fully digital mobile bank designed for the modern lifestyle. Whether you’re traveling, shopping, saving, or simply trying to manage your daily expenses, N26 makes it effortless and transparent. With real-time notifications, intuitive budgeting tools, and zero hidden fees, it’s everything you need from a bank—right in your pocket.
Why Choose N26?
1. 100% Mobile Banking:
Open an account in minutes from your smartphone. No paperwork, no queues, no physical branches. Once your identity is verified, you receive instant access to your virtual card and full account features. N26 works on both Android and iOS and is optimized for user-friendly, secure interaction.
2. Zero Monthly Fees (Standard Plan):
With the N26 Standard account, there are no monthly maintenance fees. You can send and receive payments, make contactless purchases, and enjoy several free ATM withdrawals every month—without worrying about hidden charges.
3. Real-Time Spending Insights:
Each time you use your N26 card, you receive an instant notification. The app automatically categorizes your spending (e.g., groceries, travel, restaurants), giving you a clearer picture of where your money goes. You can even set monthly limits and monitor your financial goals with built-in budgeting features.
4. Free and Instant Money Transfers:
Send and receive money instantly with other N26 users using N26’s in-app feature. You can also use SEPA transfers and link your Bizum account in Spain for quick, commission-free domestic transfers.
5. Save and Earn:
Open a Savings Account linked to your N26 account and earn up to 2.53% TAE. Your money is always accessible, with no penalties for withdrawals. Perfect for building an emergency fund or planning short-term goals.
6. International Travel Made Easy:
With N26, traveling abroad is stress-free. Make purchases and withdraw cash from ATMs worldwide with no foreign transaction fees. Currency exchange rates are among the most competitive in the market. This is ideal for frequent travelers, digital nomads, and international students.
7. Commission-Free Investing:
N26 also offers commission-free investment options. Trade stocks, ETFs, and even over 350 cryptocurrencies directly from the app. Whether you’re a first-time investor or an experienced trader, you’ll find flexible, easy-to-use tools to manage your portfolio. You can even access actively managed funds tailored to your risk profile.
8. Insurance for Peace of Mind (Premium Plans):
N26 You and Metal plans come with comprehensive travel insurance, covering medical emergencies, delayed flights, and lost or stolen luggage. These premium plans also provide additional features like phone insurance and extended warranty coverage.
9. Referral Rewards: Earn While You Share
Get rewarded just for sharing. Sign up using a referral link, make a purchase of at least €20 with your N26 card, and you’ll receive €15 directly into your account. Once you’re a member, you can invite your friends and earn up to €20 for each person who signs up and meets the same criteria. There’s no limit to how many friends you can invite.
How to Get Started:
- Download the N26 app from the App Store or Google Play.
- Sign up using a valid ID and follow the quick verification process.
- Choose your plan (Standard, Smart, You, or Metal).
- Activate your virtual card and start spending.
- Make a purchase of €20 or more to receive your €15 reward (if you signed up through a referral).
- Share your own referral link and start earning even more.
Built for the Future of Finance
N26 is not just another mobile app—it’s a fully licensed European bank regulated by the German financial authority (BaFin). Your funds are protected up to €100,000 under the German deposit protection scheme. The app uses advanced encryption and biometric login to keep your data and money secure at all times.
Designed for Everyday Life
From grocery shopping and monthly subscriptions to global travel and investing, N26 adapts to your financial lifestyle. With its elegant design, intuitive navigation, and powerful tools, managing your money becomes a seamless part of your day.
Join Millions of Users Across Europe
Already trusted by millions across the EU, N26 continues to grow as one of the most forward-thinking and transparent banks in the world. Whether you’re a student, freelancer, traveler, or just someone who wants a better banking experience, N26 has something for you.
