N26 Germany
Available · German / English
N26 is headquartered in Germany and operates with a full German banking licence, offering residents a German IBAN and a fully mobile banking experience.
Independent guide — not affiliated with, or endorsed by, N26.
This is a referral link — we may earn a bonus if you sign up.
Who can open an account
Documents you may need
- Valid ID card or passport
- German residential address
- German tax details
- A smartphone with the N26 app
Local details
- IBAN country
- DE
- Support language
- German / English
- Local fee note
- Free SEPA; deposits protected under the German deposit guarantee.
Available plans & features
N26 Standard
€0 / month
Core account and virtual card.
N26 Smart
€4.90 / month
Sub-accounts and insights.
N26 You
€9.90 / month
Travel insurance and worldwide withdrawals.
N26 Metal
€16.90 / month
Premium metal card and perks.
Plan pricing may change. ATM withdrawal fees depend on plan and currency. See official N26 pricing for current figures.
How to open an account
- 1.Download the N26 app or visit the official N26 website.
- 2.Register with your personal details.
- 3.Verify your identity with your ID and a short video call.
- 4.Receive your IBAN and virtual card; physical card ships separately.
FAQ
Is N26 a real bank in Germany?
Yes. N26 holds a full German banking licence and deposits are protected under the German deposit guarantee scheme.
Do I get a German IBAN?
Yes, accounts for German residents come with a German IBAN.
Is my money protected?
Deposits are protected up to the applicable statutory limit under the German deposit guarantee scheme.