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N26

N26

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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

Illustration for N26