N26
A modern bank account straight from the app
N26 is a mobile bank founded in Berlin in 2013 that operates under a full German banking license. It offers a personal account managed in the app, with a Mastercard debit card and online account opening. According to the company, it operates in 24 European markets.
Financial apps
N26 Standard
Free
Currency
EUR
Apple Pay
✓
Google Pay
✓
All plans
N26 Standard
FreeFree bank account with a Mastercard.
- Free account and Mastercard
- Real-time transaction notifications
- Free payments abroad
- Open an account in 8 minutes
- German IBAN
Multi-currency
Open account
N26 Smart
4,90 €/mo.
Enhanced plan with budgeting tools and shared accounts.
- 10 sub-accounts for budget management
- Spending statistics and categorisation
- Shared account for couples (Shared Spaces)
- More free ATM withdrawals
Multi-currency
Open account
RECOMMENDED
N26 You
9,90 €/mo.
Premium plan with travel insurance and electronics protection.
- Travel insurance for you and your partner
- Electronics protection
- International health insurance
- Unlimited ATM withdrawals in euros
- Winter sports insurance
Multi-currency
Open account
N26 Metal
16,90 €/mo.
Top-tier plan with a metal card, cashback and VIP support.
- Metal card (18g)
- Cashback with selected partners
- Concierge and VIP service
- Extended travel insurance
- Unlimited ATM withdrawals worldwide
Cashback
Multi-currency
Open account
Plan comparison
Feature
N26 Standard
N26 Smart
N26 You
Recommended
N26 Metal
Monthly fee
Free
€4.90
€9.90
€16.90
Free ATM withdrawals
3/month (Eurozone)
5/month (Eurozone)
Unlimited (Eurozone)
Unlimited (global)
Cashback
None
None
None
0.5% with partners
Sub-accounts (Spaces)
2 sub-accounts
10 sub-accounts
15 sub-accounts
15 sub-accounts
Travel insurance
None
None
Full
Full Premium
Customer support
Chat
Priority chat
Chat + phone
Dedicated line
Frequently asked questions
How do I open an N26 account? ＋
You open an N26 account in the app or on n26.com, which according to the bank takes a few minutes. You need a smartphone and a valid ID, which is verified during a short call held in English, German, Spanish, Italian or French. N26 issues Mastercard cards, and you can use the virtual card before the physical one arrives.
Is N26 safe for people in Poland? ＋
N26 holds a full German banking licence issued by BaFin (Germany's Federal Financial Supervisory Authority). Customer funds are protected up to 100,000 EUR by the German deposit protection scheme. Residents of Poland can open an N26 account.
What plans does N26 offer? ＋
N26's website for European customers lists four personal account plans: Standard (free), Smart (4.90 EUR a month), Go (9.90 EUR a month) and Metal (16.90 EUR a month). N26's offer varies by country, so it is best to check plan availability and terms for residents of Poland in the app before opening an account.
Does N26 offer PLN accounts? ＋
No. Residents of Poland get an N26 account held in euros with a German IBAN. You can pay in zloty with the Mastercard card, and N26 advises choosing the local currency when paying or withdrawing cash to get the best exchange rate. According to its help pages, the bank charges a 1.7% markup on cash withdrawals in currencies other than the euro.
What is N26 customer service like? ＋
The main way to contact N26 is the chat in the app (or in the browser after logging in), available every day from 7:00 to 23:00 CET, including Sundays and public holidays. Phone support is available only to holders of Premium plans (Go, Smart or Metal). People who cannot log in can use the visitor chat.