N26

N26 rating 3.50 3 How do we count the overall AskWallet star rating? It's all based on a combination of reviewer’s feedback and our expertise.
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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.

Rate N26

Services

  • Personal IBAN

  • Affiliate program

  • Cashback

  • Crypto

  • SEPA

  • Loyalty program

  • Insurance

  • Multicurrency account

  • SWIFT

  • Card

Details

Name: N26
URL: https://n26.com/
Сontacts: support-us@n26.com
Languages: English, Deutsch, Français, Italiano, Español
Web version: No
Mobile apps: Yes
Available in this countries: USA, BRA, EEA
License: ECB
Jurisdiction: GER
Founded: 2013
Main
Card
Multicurrency
Other options
Business account

Main

Account opening fee: 0 EUR
Service fee: 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
Withdrawal methods: ATM Card PS = 0-5%
P2P fee: 0%
Personal IBAN: No
SEPA: Yes

Card

Card provider: MasterCard (Debit)
Issuing fee: Mastercard = 0 EUR
Extra World Mastercard = 10 EUR
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
Multicurrency: Yes
NFC: Yes
Virtual card: Yes
ATM withdrawal fee: 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%

Multicurrency

Main currency: EUR
Number of currencies: 1

Other options

Cryptocurrencies: No
Cashback: 0,1% cashback will be credited on all purchases with the N26 Business Mastercard each month.
Referral program: https://n26.com/en-us/invite-friends
Trading: No
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.
Budget planner: Yes
Bill split: No
Insurance: Yes

Business account

Account opening fee: 0 EUR
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
Withdrawal methods & fees: 1) Bank Transfer = n/a
2) ATM Card PS = n/a
P2P fee: 0%
IBAN: Yes
SEPA: Yes
SWIFT: Yes
Corporate card: Yes
Affiliate program: https://n26.com/en-de/affiliate

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N26 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?

Overview by Asma Ahmed

Sven Gärtner

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

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.

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.