Personal Finance

N26

A mobile personal finance app for everyday banking, saving and investing.

Overview

N26 lets you open an account online without paperwork, then manage banking, savings and investments from your phone. Once the account is active, you can use it right away. Standard covers everyday banking on a free plan. You can also add your card to Apple Pay or Google Pay and start spending immediately.

Updated Nov 7, 2026

4 things

What N26 has

Support

Help from the vendor at any hour, every day of the week.
Real people you can contact when you need help with the tool.
Get help from the support team through a real-time chat window.
Get help from the support team by calling them directly on the phone.

19 features

Key Features

Banking and investing
Bank, save, and invest in one beautifully simple app trusted by millions.
Joint account
Get a free joint account with a dedicated IBAN or a card for under 18s with limits set by you.
Investments
Invest in 5,000+ stocks, ETFs, ready-made funds, and more 4 — without switching apps.
Travel benefits
Get cashback 5 on travel, the best exchange rates, and airport lounge access.
Travel withdrawals and insurance
Travel stress-free thanks to free ATM withdrawals abroad and insurance — included with N26 Go and Metal.
Online account opening
You can open your mobile N26 account online in minutes from your phone or the N26 website — no paperwork or waiting times.
Immediate account use
But best of all: once your N26 bank account is active, you can start using it right away.
Virtual card spending
This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
Spaces sub-accounts
Organize your money in 10 Spaces sub-accounts and add a dedicated IBAN or virtual card to pay directly from a Space.
Payment switching
Open your N26 account and move your recurring payments in just a few taps.
Spending alerts
All plans include zero hidden fees, real-time spending alerts, easy budgeting tools, and free ATM withdrawals in the Eurozone.
Shared finances
Get a free joint account with a dedicated IBAN or a card for under 18s with limits set by you.
Instant Savings interest
Open an N26 Metal account to earn 1.5% interest p.a. 1 on Instant Savings.
Flexible Cash Fund
Our Flexible Cash Fund is now available for all N26 plans.
Savings plan
Start from €1 and invest regularly by setting up a savings plan for free.
Travel coverage
Travel stress-free thanks to free ATM withdrawals abroad and insurance — included with N26 Go and Metal.
Spaces
Organize your money in 10 Spaces sub-accounts and add a dedicated IBAN or virtual card to pay directly from a Space.
Phone banking
Top-tier security keeps your money safe, and you can manage your banking, savings, and investments right from your phone.
Foreign ATM withdrawals
Can I use my account internationally? Yes! All N26 cards let you withdraw money at foreign ATMs. It's free with N26 Go and Metal, N26 Smart and Standard users only have to pay 1.7% conversion fee.

Pros and cons

Pros

The free plan covers everyday banking needs.
You can open an account online without paperwork or waiting times.
Customer Support is available daily from 07:00 to 23:00 in five languages.

As of November 2026

Pricing

Freemium. Paid plans start at €4.90 per month.

Standard
€0
Smart
€4.90
per month
Go
€9.90
per month
Metal
€16.90
per month

You?

Be the first to rate N26

Your review helps others make better decisions. No account needed. Takes about 10 seconds.

Featured Video

See N26 at work before you try it.

Watch on YouTube

4 questions

FAQs

What does N26 do?

N26 lets you bank, save and invest in one app. You can manage these activities from your phone.

Can I use N26 abroad?

Yes. All N26 cards support withdrawals at foreign ATMs. Go and Metal include free withdrawals, while Smart and Standard charge a 1.7% conversion fee.

Does N26 work with Apple Pay and Google Pay?

Yes. You can add N26 to Apple Pay or Google Pay, then start spending immediately.

Does N26 offer live support?

Yes. Chat support is available 24/7. Customer Support is available daily from 07:00 to 23:00 in English, German, French, Italian or Spanish.

No reviews yet

Community reviews

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No reviews yet

Community reviews

Sort:Write a review

No written reviews yet. Be the first to share your experience.

Tried this tool? Share your experience.

Write a review

4 things

What N26 has

Support

Help from the vendor at any hour, every day of the week.
Real people you can contact when you need help with the tool.
Get help from the support team through a real-time chat window.
Get help from the support team by calling them directly on the phone.

19 features

Key Features

Banking and investing
Bank, save, and invest in one beautifully simple app trusted by millions.
Joint account
Get a free joint account with a dedicated IBAN or a card for under 18s with limits set by you.
Investments
Invest in 5,000+ stocks, ETFs, ready-made funds, and more 4 — without switching apps.
Travel benefits
Get cashback 5 on travel, the best exchange rates, and airport lounge access.
Travel withdrawals and insurance
Travel stress-free thanks to free ATM withdrawals abroad and insurance — included with N26 Go and Metal.
Online account opening
You can open your mobile N26 account online in minutes from your phone or the N26 website — no paperwork or waiting times.
Immediate account use
But best of all: once your N26 bank account is active, you can start using it right away.
Virtual card spending
This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
Spaces sub-accounts
Organize your money in 10 Spaces sub-accounts and add a dedicated IBAN or virtual card to pay directly from a Space.
Payment switching
Open your N26 account and move your recurring payments in just a few taps.
Spending alerts
All plans include zero hidden fees, real-time spending alerts, easy budgeting tools, and free ATM withdrawals in the Eurozone.
Shared finances
Get a free joint account with a dedicated IBAN or a card for under 18s with limits set by you.
Instant Savings interest
Open an N26 Metal account to earn 1.5% interest p.a. 1 on Instant Savings.
Flexible Cash Fund
Our Flexible Cash Fund is now available for all N26 plans.
Savings plan
Start from €1 and invest regularly by setting up a savings plan for free.
Travel coverage
Travel stress-free thanks to free ATM withdrawals abroad and insurance — included with N26 Go and Metal.
Spaces
Organize your money in 10 Spaces sub-accounts and add a dedicated IBAN or virtual card to pay directly from a Space.
Phone banking
Top-tier security keeps your money safe, and you can manage your banking, savings, and investments right from your phone.
Foreign ATM withdrawals
Can I use my account internationally? Yes! All N26 cards let you withdraw money at foreign ATMs. It's free with N26 Go and Metal, N26 Smart and Standard users only have to pay 1.7% conversion fee.

Pros and cons

Pros

The free plan covers everyday banking needs.
You can open an account online without paperwork or waiting times.
Customer Support is available daily from 07:00 to 23:00 in five languages.

As of November 2026

Pricing

Freemium. Paid plans start at €4.90 per month.

Standard
€0
Smart
€4.90
per month
Go
€9.90
per month
Metal
€16.90
per month

You?

Be the first to rate N26

Your review helps others make better decisions. No account needed. Takes about 10 seconds.

Featured Video

See N26 at work before you try it.

Watch on YouTube

4 questions

FAQs

What does N26 do?

N26 lets you bank, save and invest in one app. You can manage these activities from your phone.

Can I use N26 abroad?

Yes. All N26 cards support withdrawals at foreign ATMs. Go and Metal include free withdrawals, while Smart and Standard charge a 1.7% conversion fee.

Does N26 work with Apple Pay and Google Pay?

Yes. You can add N26 to Apple Pay or Google Pay, then start spending immediately.

Does N26 offer live support?

Yes. Chat support is available 24/7. Customer Support is available daily from 07:00 to 23:00 in English, German, French, Italian or Spanish.

N26

Overview

What N26 has

Support

Key Features

Banking and investing

Joint account

Investments

Travel benefits

Travel withdrawals and insurance

Online account opening

Immediate account use

Virtual card spending

Spaces sub-accounts

Payment switching

Spending alerts

Shared finances

Instant Savings interest

Flexible Cash Fund

Savings plan

Travel coverage

Spaces

Phone banking

Foreign ATM withdrawals

Pros and cons

Pros

Pricing

N26 pricing plans

Standard

Smart

Go

Metal

Be the first to rate N26

Featured Video

FAQs

What does N26 do?

Can I use N26 abroad?

Does N26 work with Apple Pay and Google Pay?

Does N26 offer live support?

What N26 has

Support

Key Features

Banking and investing

Joint account

Investments

Travel benefits

Travel withdrawals and insurance

Online account opening

Immediate account use

Virtual card spending

Spaces sub-accounts

Payment switching

Spending alerts

Shared finances

Instant Savings interest

Flexible Cash Fund

Savings plan

Travel coverage

Spaces

Phone banking

Foreign ATM withdrawals

Pros and cons

Pros

Pricing

N26 pricing plans

Standard

Smart

Go

Metal

Be the first to rate N26

Featured Video

FAQs

What does N26 do?

Can I use N26 abroad?

Does N26 work with Apple Pay and Google Pay?

Does N26 offer live support?

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