Are you ready to change how you bank?

Think banking can't be fast, flexible, and transparent? Think again. Open a fully-mobile checking account in 5 minutes directly from your smartphone.

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Desktop Version - Icon  - N26 Bank Account

A fully-mobile account

Open an N26 account in 5 minutes directly from your phone. No paperwork, no fuss. Anytime, anywhere. Welcome to branchless banking.

PIN Code - Icon - N26 App

Banking you control

Lock or unlock your card if its lost, set spending and withdrawal limits, change your PIN number, and enable international spending instantly within the app.*

Security you can trust

Your funds are FDIC-insured through our partner bank, Axos Bank®, Member FDIC.

Real-time Notifications - Icon - N26 App

Real-time notifications

Stay up to date with instant push notifications after all transactions, withdrawals, and deposits.

Bon voyage

Spend on experiences, not fees. Shop using your N26 card while traveling abroad and enjoy no foreign transaction exchange fees.

#Tag your transactions

#weekend, #friends, #gift — Create your own personal tags to organize your transactions in a way that makes sense to you.

* N26 does not charge for this service, but your wireless carrier may charge for data or messages

Get your paycheck faster

Hate waiting for payday? With N26, Wednesday is the new Friday. Set up direct deposit using your N26 account and you’ll receive your paycheck as soon as your employer deposits it, which is up to 2 days faster than most traditional banks.*

Visualize your financial goals with Spaces

Personalize, track, and achieve your short and long-term financial goals with Spaces. Set a savings goal, select an icon, and move money in our out of your Spaces instantly with just a few swipes.

Drag & Drop with N26 Spaces

We track your spending so you don’t have to

Ever wonder where all your money goes each month? Wonder no more. The N26 app automatically categorizes your purchases, creating a simple visual breakdown of your spending habits.

Bank Account Overview on Your phone - N26 Bank Account


Are N26 accounts insured?

Yes! All deposits are FDIC-insured through our partner bank, Axos Bank®, Member FDIC.

No hidden fees? Really?

We mean it when we say that our goal is to make banking fast, flexible, and transparent. With N26, you can experience banking with no annual fees, no minimum account balance, no maintenance charges, and no foreign exchange fees when you shop using your N26 card while traveling internationally. You can review our fee schedule in detail here.

What should I expect from the sign up process?

Our identity verification process is done entirely through the N26 app and can be completed from your smartphone in just a few minutes. N26 analyzes various personal data points such as name, physical address, email address, and other relevant information to confirm the identity of each customer before an account can be opened. Once the identity is verified, the customer can then pair their phone with their account and can expect their new debit card in the mail.

What customer support does N26 offer?

If you have a question about your N26 account, we're here for you. Reach out using the in-app Chat Support feature or give us a call at 1-888-626-0626 or +1-888-N26-0-N26 from 9:00 am to 9:00 pm EST. Also feel free to reach out to us by email or on social media anytime.

We’ve got your back

If you have any questions or run into any issues, our customer service team is here to lend a hand.

N26 Bank Account Customer Service Chat in App

*Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

The N26 account is offered by Axos Bank®, Member FDIC. N26 Inc. is a service provider of Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. The N26 Visa® Debit Card is issued by Axos Bank pursuant to a license by Visa U.S.A. Inc. The N26 Visa Debit Card may be used everywhere Visa debit cards are accepted.