N26 — Love your bank
4.1star
135K reviews
5M+
Downloads
Rated for 3+
info
About this app
Welcome to the bank you'll love. Bank, save, and invest in one beautifully simple app that's trusted by millions.
BANK
– Manage all your finances directly from your smartphone and pay with a tap using your virtual N26 Mastercard and Google Pay. Pick from our five new virtual card designs to start paying with personality.
– Transfer money in seconds with MoneyBeam and instant transfers. Send money around the globe quickly, easily, and with no hidden fees.
– Want even more perks and features? Discover our premium accounts and upgrade your banking experience. Choose from N26 Smart, N26 You and N26 Metal.
– For shared finances, N26 joint accounts come with dedicated IBANs, handy insights, and user-friendly features to make managing your own and your shared expenses easier than ever.
– Want to turn future plans into reality today? Split eligible past purchases with N26 Installments, or get approved for an overdraft up to €10,000 in minutes (available in Germany and Austria). With N26 Credit, you can get a loan instantly with no paperwork (the loan maximum depends on the market; our credit loan is available in Germany and France.)
– Self-employed? Handle all your business finances with an N26 business account and get 0.1% cashback for every payment you make with your N26 Mastercard.
– And if you have questions, contact us day and night via the chat in your N26 app — in five languages.
SAVE
- With N26 Instant Savings, grow your money with full flexibility, no matter what membership you have. Earn interest on all your savings with no deposit limits** and access your funds anytime.
- Save for all your goals by organizing your money into N26 Spaces sub-accounts, and automate your savings with N26 Round-ups.
- Get smart tools to help you budget the simple way. Keep track of all your money with Insights.
*The interest rate is based on country and membership. Available to eligible N26 customers in Germany, France, and Spain. Interest rates vary based on country and membership.
**The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
INVEST
- Choose from hundreds of stocks, ETFs, and crypto coins* — including Ethereum and Bitcoin.
- Manage your money and your investments without having to download another app. Get a complete overview of your portfolio, transaction fees, gains, and losses.
- Get 15 free trades for Stocks and ETFs every month with N26 Metal — and 5 with N26 You.
- Not much time on your hands? Automate your investments with our free, fully-flexible investment plans.
*None of these statements constitute investment advice. Stocks and ETFs are available to eligible customers in Germany, Austria, Ireland, and the Netherlands. N26 Crypto is powered by Bitpanda. Check our website for availability in your country.
BE SIMPLY SECURE AND FULLY IN CONTROL
— As a fully-licensed German bank built on the latest technology, we’re always working to make sure your money is in safe hands.
— Get control over the security of your account with customizable settings in your N26 app. Lock and unlock your card, change your PIN, set spending limits, and hide your sensitive data from prying eyes — instantly and effortlessly.
— Banking after hours? Turn down the lights and use your N26 app in dark mode. It's yet another layer of personalization to the way you choose to bank.
Imprint and Cookie Policy: n26.com/app
BANK
– Manage all your finances directly from your smartphone and pay with a tap using your virtual N26 Mastercard and Google Pay. Pick from our five new virtual card designs to start paying with personality.
– Transfer money in seconds with MoneyBeam and instant transfers. Send money around the globe quickly, easily, and with no hidden fees.
– Want even more perks and features? Discover our premium accounts and upgrade your banking experience. Choose from N26 Smart, N26 You and N26 Metal.
– For shared finances, N26 joint accounts come with dedicated IBANs, handy insights, and user-friendly features to make managing your own and your shared expenses easier than ever.
– Want to turn future plans into reality today? Split eligible past purchases with N26 Installments, or get approved for an overdraft up to €10,000 in minutes (available in Germany and Austria). With N26 Credit, you can get a loan instantly with no paperwork (the loan maximum depends on the market; our credit loan is available in Germany and France.)
– Self-employed? Handle all your business finances with an N26 business account and get 0.1% cashback for every payment you make with your N26 Mastercard.
– And if you have questions, contact us day and night via the chat in your N26 app — in five languages.
SAVE
- With N26 Instant Savings, grow your money with full flexibility, no matter what membership you have. Earn interest on all your savings with no deposit limits** and access your funds anytime.
- Save for all your goals by organizing your money into N26 Spaces sub-accounts, and automate your savings with N26 Round-ups.
- Get smart tools to help you budget the simple way. Keep track of all your money with Insights.
*The interest rate is based on country and membership. Available to eligible N26 customers in Germany, France, and Spain. Interest rates vary based on country and membership.
**The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
INVEST
- Choose from hundreds of stocks, ETFs, and crypto coins* — including Ethereum and Bitcoin.
- Manage your money and your investments without having to download another app. Get a complete overview of your portfolio, transaction fees, gains, and losses.
- Get 15 free trades for Stocks and ETFs every month with N26 Metal — and 5 with N26 You.
- Not much time on your hands? Automate your investments with our free, fully-flexible investment plans.
*None of these statements constitute investment advice. Stocks and ETFs are available to eligible customers in Germany, Austria, Ireland, and the Netherlands. N26 Crypto is powered by Bitpanda. Check our website for availability in your country.
BE SIMPLY SECURE AND FULLY IN CONTROL
— As a fully-licensed German bank built on the latest technology, we’re always working to make sure your money is in safe hands.
— Get control over the security of your account with customizable settings in your N26 app. Lock and unlock your card, change your PIN, set spending limits, and hide your sensitive data from prying eyes — instantly and effortlessly.
— Banking after hours? Turn down the lights and use your N26 app in dark mode. It's yet another layer of personalization to the way you choose to bank.
Imprint and Cookie Policy: n26.com/app
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
Ratings and reviews
4.1
133K reviews
Hendy Serrano
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June 12, 2024
It makes no sense that while they are checking to pair your smartphone you can't use the app, but if you don't try to pair it you can use it just fine. Also, I have some errors on my app where I can't use the contacts feature (shows an error) and there are some messages I can't dismiss on the home screen (another error) Edit: I contacted support and fixed the errors had in the app. I still think I should at least be able to consult my account while the verification is on going.
2 people found this review helpful
N26 GmbH
June 12, 2024
Hey Hendy, pairing is an important security step to use your account. If your device is not paired, you won't be able to confirm your transactions and make updates on your account. We can help you with the issues you are facing in the app. Please contact us via live chat so we can advise you further. Best, Bella, N26 Team.
David Nanyan
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July 3, 2024
The bank provides option to order card online and some basic functions. But compared to other banks - still way behind. 1) All basic features like several saving account, dashboard etc either moved to payed plan or doesn't exist 2) You can't disable negative balance(not overdraft feature), which is nonsense and really dangerous. When I asked support about it, they told me "just disable your card when it's lost". But if you didn't notice it in time - I guess they can use as much as they like.
5 people found this review helpful
N26 GmbH
July 3, 2024
Hey David, if you have a premium account, you can create up to 10 Spaces and also use Shared Spaces with other N26 users. To disable your overdraft, go to Explore - Modify overdraft - Cancel overdraft. You can also change your card limits in Cards tab and we do recommend that you lock the card if you lose it. Best, Bella, N26 Team.
des i
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June 4, 2024
This app/bank is sadly no longer reliable. This used to be my go-to bank(ing app), but they have gone downhill. I transferred hundreds of euros from my regular account to my instant savings, within the app, and the money just disappeared. It took 34 minutes for it to show up again, while it should have been seconds. A year ago, you could actually use the support chat, now there are no agents. A "6 minute queue", yet still waiting 26 minutes later. I will be closing my account.
9 people found this review helpful
N26 GmbH
June 4, 2024
Hey, we experienced a technical issue with transfers to Spaces and to Instant Savings this morning, but it was fixed after a few minutes. We apologize for the inconvenience caused. Best, Bella, N26 Team.
What's new
If you’re a customer in France, Ireland, or the Netherlands, then this update is packed with perks — and we’re not just talking about those bugs we sent packing.
Now, eligible customers in these markets can buy and sell ETFs and stocks right from the N26 app. Get started from just €1, and enjoy a flat rate of just €0.90 per trade. Upgrade to N26 You or Metal to enjoy a number of free trades per month. Note that customers in France will need to have a French IBAN to get started. Happy trading!
Now, eligible customers in these markets can buy and sell ETFs and stocks right from the N26 app. Get started from just €1, and enjoy a flat rate of just €0.90 per trade. Upgrade to N26 You or Metal to enjoy a number of free trades per month. Note that customers in France will need to have a French IBAN to get started. Happy trading!
