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N26

N26

A modern bank account straight from the app

N26 is a mobile bank headquartered in Berlin offering a personal account with a Mastercard, real-time notifications and plans with travel insurance. Available throughout the European Union with a fully digital sign-up process.

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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

All plans

N26 Standard

Free

Free 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

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