N26 offers mobile banking solutions to travellers
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.
Services
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Personal IBAN
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Affiliate program
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Cashback
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SEPA
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Loyalty program
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Insurance
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Multicurrency account
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SWIFT
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Card
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Crypto
Details
2013
Yes
No
Yes
Yes
English, Deutsch, Français, Italiano, Español
Neobank
USA, BRA, EEA
GER
ECB
Main info
Yes
No
Yes
No
No
Yes
0 EUR/year
N26 Standard = 0 EUR/month
N26 Smart = 4,90 EUR/month
N26 You = 9,90 EUR/month
N26 Metal = 16,90 EUR/month
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
0 EUR
ATM Card PS = 0-5%
0%
EUR
1
0,1% cashback will be credited on all purchases with the N26 Business Mastercard each month.
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.
Card
Business account
Yes
Yes
Yes
MasterCard (Debit)
0 EUR/year
Mastercard = 0 EUR
Extra World Mastercard = 10 EUR
1) MasterCard:
EUR:
- 0% (5 trns/30d)
- 5 EUR (after 5 trns/30d)
OTHER CURRENCIES:
- 0% (N26 You, N26 Business You, N26 Metal and N26
Business Metal accounts)
- 1,7% (Business, Current Account, N26 Smart, N26
Business Smart accounts)
2) Maestro:
EUR:
- 2 EUR
OTHER CURRENCIES:
- 2 EUR + 1,7%
Yes
Yes
Yes
Yes
No
No
No
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
0%
0 EUR
1) Bank Transfer = n/a
2) ATM Card PS = n/a
User Reviews
secure bank and good process. customer chat efficient. free card.
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.
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.