N26 offers mobile banking solutions to travellers

N26
Neobank
Business
Personal
Multi-currency
Debit card
Virtual Card
SEPA
Travel
Сredits and loans
Referral program
Mobile Apps

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

  • Personal IBAN

  • Affiliate program

  • Cashback

  • SEPA

  • Loyalty program

  • Insurance

  • Multicurrency account

  • SWIFT

  • Card

  • Crypto

Details

Details
Founded:

2013

Has mobile app:

Yes

Has web version:

No

Has apple pay:

Yes

Has google pay:

Yes

Contacts:
Languages:

English, Deutsch, Français, Italiano, Español

Emi type:

Neobank

Available in these countries:

USA, BRA, EEA

Jurisdiction:

GER

Licenses:

ECB

Main info

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%

P2P fee:

0%

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:

Card

Business account

Card
Has card:

Yes

Has virtual card:

Yes

Has multicurrency card:

Yes

Card provider:

MasterCard (Debit)

Virtual card service fee:

0 EUR/year

Issuing fee:

Mastercard = 0 EUR
Extra World Mastercard = 10 EUR

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%

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:
Business account opening fee:

0 EUR

Business account withdrawal methods & fees:

1) Bank Transfer = n/a
2) ATM Card PS = n/a

User Reviews

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.

Rate N26

— Rate your recent experience