Independent European Banking Guide
N26, explained simply.
A clear, independent guide to N26 accounts, cards, features, fees and availability across Europe.
Explore how N26 works, what you can expect, and whether it fits your everyday banking needs.
Current invitation offer: €15*
What is N26?
A mobile bank built for everyday life in Europe.
N26 is a digital bank that offers a current account, a Mastercard debit card and a range of banking services through a smartphone app. It operates under a European banking licence, so your money is held with a regulated bank.
The experience is mobile-first: you manage your account, track spending, send money and control your card from your phone. Availability of features, plans and savings products depends on your country and plan.
- Mobile-first current account
- Mastercard debit card
- SEPA transfers
- Savings where available
- Spaces to organise money
- Country-dependent availability
Country Finder
Is N26 available where you live?
N26 is available in a number of European countries. Select your country to see availability, account requirements, plans and how to open an account.
Spain
Available
Netherlands
Available
Germany
Available
France
Available
Italy
Available
Austria
Available
Belgium
Available
Ireland
Available
Denmark
Available
Estonia
Available
Finland
Available
Greece
Available
Iceland
Available
Liechtenstein
Available
Luxembourg
Available
Norway
Available
Poland
Available
Portugal
Available
Slovenia
Available
Sweden
Available
Switzerland
Available
How N26 works
Three steps to a mobile bank account.
Open your account
Register in minutes from your phone with a valid ID and a few personal details.
Verify your identity
Complete a short video verification so N26 can confirm who you are, as required by banking rules.
Start banking
Get your IBAN and virtual card instantly, then receive your physical Mastercard by post.
Features
Everything you can do with N26.
Availability can vary by country and plan.
Everyday Banking
A mobile-first current account with an IBAN, instant notifications and real-time spending tracking.
Read guide02N26 Mastercard
A Mastercard debit card linked directly to your account, plus a virtual card for online spending.
Read guide03Transfers
Send and receive money with SEPA transfers and instant options where supported.
Read guide04Savings
Organise money and earn interest on savings where available, subject to plan and country.
Read guide05Spaces
Sub-accounts to set money aside for goals and keep everyday spending separate.
Read guide06Travel
Use your card abroad, with insurance and withdrawal benefits that depend on your plan.
Read guide07Security
Biometric login, 3-D Secure, transaction limits and the ability to freeze your card instantly.
Read guide08Mobile App
Manage your entire account from your phone, with spending insights and instant controls.
Read guide
The N26 card
One card, fully controlled from your phone.
The N26 Mastercard debit card is linked directly to your account. Spend in stores, online and abroad, and manage everything — limits, PIN, freeze — instantly from the app.
- Physical and virtual card
- Apple Pay & Google Pay where supported
- Instant freeze & PIN change
- Spending & withdrawal limits
Fees
A free account, with paid plans for more.
N26 uses a freemium model. Most everyday transactions are free, while some services carry fees depending on your plan. Pricing can change over time and may vary by country.
Standard
€0 /mo
Core account & virtual card
Smart
€4.90 /mo
Sub-accounts & insights
You
€9.90 /mo
Travel insurance & worldwide withdrawals
Metal
€16.90 /mo
Premium card & perks
Indicative pricing. Confirm current figures on the official N26 website.
Compare
How N26 compares.
Neutral, informational comparisons. No winner is declared — the aim is to help you decide what fits your needs.
Invitation
Have an N26 invitation?
If you have received an N26 invitation from someone you know, you can use their personal invitation link when opening your account. Promotional terms and eligibility can vary by country and account type.
*Promotional amount and eligibility may vary by country, account type and current N26 offer. Check the applicable terms before signing up.
N26 Guides
Latest guides.
N26 savings explained
How savings and interest work with N26, and why availability depends on your plan and country.
Updated Sep 15, 2026TransfersN26 transfers explained
How sending and receiving money works with N26, including SEPA and instant transfer options.
Updated Sep 15, 2026AccountsN26 for freelancers
How freelancers can use N26 for everyday banking, with notes on business account availability.
Updated Sep 15, 2026N26 is a mobile bank that offers a current account, a Mastercard debit card and a range of banking services through a smartphone app. It operates under a European banking licence.
Official sources
Checked against official N26 sources.
We link to official N26 resources so you can verify information directly. These resources belong to N26, not to this site.
Official N26 resourcesIndependent-site disclosure
N26 Guide is an independent informational website and is not affiliated with, operated by, or endorsed by N26.