N26
Love your bank | Spend, save, and invest in one app
N26 is a fully licensed German mobile bank that provides personal and business accounts, debit cards, savings, and investment products through a smartphone app. It addresses the need to manage spending, saving, investing, and everyday finances in one place without paperwork or branch visits. Accounts can be opened online with a government-issued ID, and funds are protected up to €100,000 by the German Deposit Protection Scheme.
The app includes Spaces sub-accounts with IBANs, joint accounts, cards for under 18s, budgeting automations, and Instant Savings. Investment features cover stocks, ETFs, ready-made funds, and crypto, with savings plans available. Travel features include cashback, airport lounge access, and travel insurance. Security relies on 3D Secure, biometric authentication, two-factor authentication, and AI-driven fraud detection, with in-app controls for locking cards and setting spending limits.
N26 is available across European markets and serves both personal and business users. Plans are tiered: a free Standard account, followed by Smart, Go, and Metal editions at increasing monthly costs, each adding features such as physical cards, higher ATM allowances, travel benefits, and higher savings interest.
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