N26
Verified working Aug 6, 2026
A mobile bank combining everyday accounts, savings, and investing.
N26 is a digital bank centered on app-based accounts for personal users, freelancers, and small businesses. It offers free and paid plans with virtual and physical cards, joint and under-18 account options, savings products, in-app investing, and travel-oriented benefits on higher tiers.
Why it stands out
- Combines banking, savings, investing, and travel features in one consumer account app.
- Supports both personal banking and freelancer/business account plans under the same brand.
- Investment access starts from €1 and spans stocks, ETFs, crypto, and managed fund options.
- Family and shared-money features include joint IBAN accounts and parent-supervised under-18 cards.
- Premium tiers bundle travel-specific perks such as insurance, ATM withdrawals abroad, and lounge access.
Good to know
- Availability, interest rates, and savings products vary by country and account plan.
- Investments and flexible cash funds can lose value and are not the same as insured deposits.
- Stock, ETF, and ETC trades may carry transaction fees, with free monthly trades limited to higher-tier plans.
- Some travel, insurance, cashback, and ATM benefits are reserved for paid Go or Metal plans.
Under the radar: Before upgrading for a higher savings rate or travel perks, check the country-specific footnotes and plan comparison page, since several benefits depend on both your location and account tier.
Photos
Mobile-first banking customers in supported European markets can manage spending, saving, cards, and investments from one account app. Open a no-monthly-fee account with a virtual card and basic ATM access. Set up shared finances through a joint account or a parent-managed card for a child or teen. Invest small amounts in stocks, ETFs, funds, or crypto without using a separate brokerage app. Choose a premium plan for travel insurance, foreign-currency benefits, lounge access, or business cashback.
Mobile current accounts, personal and business plans, Mastercard cards, digital wallet support, joint accounts, under-18 cards with parental limits, Instant Savings, savings plans, stock and ETF trading, crypto trading, ready-made funds, travel insurance, travel eSIM, ATM withdrawals, and plan comparison tools.
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