About N26
N26 is a 100% mobile German bank licensed by BaFin, offering a free online account with a virtual card and a tiered set of premium plans. The app combines banking, saving, investing, and spending in one interface, with features like Spaces sub-accounts, instant ECB-linked savings, stock/ETF trading, and crypto trading. It emphasizes transparency, security, and a seamless mobile experience for travel and everyday banking across multiple European markets.
What N26 offers
- 100% mobile banking with BaFin license
- Free N26 Standard; Smart, Go, and Metal premium plans
- Virtual card by default, optional physical card
- Free or low-cost ATM withdrawals depending on plan
- Spaces sub-accounts with dedicated IBANs
- Stocks & ETFs trading and crypto trading
- Instant Savings linked to ECB rate (2% for Metal rate as of latest terms)
- Travel benefits: cashback, insurance, airport lounge access (Go/Metal)
- 24/7 in-app chat and strong security features (3D Secure, biometric checks)
- German Deposit Protection up to €100,000
- Travel eSIM and additional banking features across 24 markets in Europe
What sets N26 apart
- Transparent, fee-free online banking with a modern mobile experience
- Fully licensed German bank (BaFin) with strong security and deposits protection
- All-in-one app to manage banking, savings, investing, and spending
- Flexible plans catering to everyday banking as well as travel and premium perks
- Global accessibility with free/low-cost withdrawals and access to stocks, ETFs, and crypto