N26 — Love your bank

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

BANK
– 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.
– 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 Go, and N26 Metal.
– Open your joint account in minutes and manage shared finances alongside your personal account.
– Self-employed? Handle all your business finances with an N26 business account and get up to 0.5% 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.
– Split eligible past purchases with N26 Installments, or get approved for an overdraft of up to €10,000 in minutes (available in Germany, Austria, and Spain). With N26 Credit, you can get a loan instantly with no paperwork (available in Germany, Austria, Spain, and France).
– And if you have questions, contact us day and night via the chat in your N26 app — in five languages.

SAVE
- 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 and Income Sorter.
- 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.


INVEST
- Trade thousands of stocks and ETFs — right in your banking app. Or select one of our ready-made funds and let the experts do the work.*
- You can start with €1, and buy and sell anytime.
- Manage your investments without having to download another app. Get a complete overview of your portfolio, transaction fees, gains, and losses.
- Not much time on your hands? Automate your investments with our free, fully-flexible investment plans.

*None of these statements constitute investment advice. Check our website for availability in your country.

TRAVEL THE WORLD WITH N26
Pack your bags — we've got the rest. Get the best exchange rates, free ATM withdrawals abroad, travel insurance, lounge access, travel eSIM connectivity, and 24/7chat support, all in one.

BE SIMPLY SECURE AND FULLY IN CONTROL
- 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 yo