Money Transfer
Debit card
Virtual Card
Referral program
Mobile Apps
Rating 3.50 3
We calculate the rating from AskWallet editorial and user ratings

N26 offers essential banking services such as saving accounts, payment transfer, direct debit, features for travelers such as account with debit card, insurance, and free foreign currency ATM withdrawals worldwide. It lets you send funds in 19 currencies via Transferwise feature. N26 closed it UK operations after Brexit and now focuses on growth in Europe and the US.



  • Personal IBAN

  • Affiliate program

  • Cashback

  • SEPA

  • Loyalty program

  • Insurance

  • Multicurrency account


  • Card

  • Crypto


Has mobile app: Yes
Has web version: No
Contacts: support-us@n26.com
Languages: English, Deutsch, Français, Italiano, Español
Founded: 2,013
Available in these countries: USA, BRA, EEA
Jurisdiction: GER
Licenses: ECB

Main info

Has insurance: Yes
Has trading: No
Has budget planner: Yes
Has bill split: No
Has iban: No
Has sepa: Yes
Virtual card service fee: 0 EUR/year
Service fee: N26 Standard = 0 EUR/month
N26 Smart = 4,90 EUR/month
N26 You = 9,90 EUR/month
N26 Metal = 16,90 EUR/month
Main service fee text: 1) N26 Standard = 0 EUR/month
2) N26 Smart = 4,90 EUR/month
3) N26 You = 9,90 EUR/month
4) N26 Metal = 16,90 EUR/month
Account opening fee: 0 EUR
Withdrawal fee: ATM Card PS = 0-5%
Main currency: EUR
Number of currencies: 1
Cashback: 0,1% cashback will be credited on all purchases with the N26 Business Mastercard each month.
Credit: Approved Overdraft. The debit interest rate for Overdraft Interest is variable and amounts to 8.9 percentage points above the applicable interest rate for each instance of main refinancing operations of the European Central Bank. Interest is charged on a quarterly basis and debited from your N26 account.
Referral program: https://n26.com/en-us/invite-friends
Business account service fee: 1) Business = 0 EUR/month
2) Business Smart = 4,90 EUR/month
3) Business You = 9,90 EUR/month
4) Business Metal = 16,90 EUR/month
Business account


Has virtual card Yes
Has multicurrency card Yes
Virtual card service fee 0 EUR/year
Card provider MasterCard (Debit)
Atm withdrawal fee percent: 5%

Business account

Business account has IBAN Yes
Business account has SEPA Yes
Business account has SWIFT Yes
Business account has business card Yes
Business p2p fee has conversion No
Business account deposit methods and fees has conversion No
Business account withdrawal methods and fees has conversion No
Business account service fee 1) Business = 0 EUR/month
2) Business Smart = 4,90 EUR/month
3) Business You = 9,90 EUR/month
4) Business Metal = 16,90 EUR/month
Business account P2P fee 0%
Business account affiliate program https://n26.com/en-de/affiliate
Business account opening fee 0 EUR
Business account withdrawal methods & fees 1) Bank Transfer = n/a
2) ATM Card PS = n/a

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Reviews by users

Review and rate N26

N26 overview

Is N26 the gateway to a new banking world without constraints?

7 min read 31.03.2021

Is N26 the gateway to a new banking world without constraints?

social-icon Sven Gärtner

secure bank and good process. customer chat efficient. free card.

social-icon Peter Brown

I didn't really trust online banking until I discovered N26. I had some preconceived notions but I must admit that I have had a positive experience with N26. It's a bank that has a lot of assets: speed, availability, interactivity. In short, a very functional and professional bank.

social-icon Enriko Neilands

I really like it. Having had terrible experiences with Spanish bank accounts in which everyone has access to your funds without your permission and charge a fortune in bank charges I decided to close my Spanish account and open an N26 account. So far very good. East to transfer money and pay bills to Spanish companies (utilities etc). You get a Spanish IBAN which gives you all the benefits of a Spanish account without the charges. Took a few times to open the account with regards to taking a photo of my passport but got there in the end. I would recommend.