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