Frequently Asked Questions

Opening an N26 account typically takes just 8 minutes. All you need is your smartphone and a valid ID document. Identity verification is done via video-ident directly in the app.

You must be at least 18 years old, reside in one of the 25 supported European countries, and have a compatible smartphone and a valid ID document (national ID card or passport).

Yes, the N26 Standard account is permanently free - no account management fees and no hidden costs. You receive a virtual debit card; a physical card costs a one-time fee of 10 EUR.

N26 offers three premium plans: Smart for 4.90 EUR/month with sub-accounts (Spaces), You for 9.90 EUR/month with free foreign payments and insurance, and Metal for 16.90 EUR/month with a metal card and premium insurance package.

N26 holds a full German banking license and is regulated by the European Central Bank and BaFin. Additional security features include biometric authentication, real-time notifications for every transaction, and the ability to lock your card in seconds.

Yes, as a German bank, N26 is covered by the statutory deposit guarantee scheme. Your deposits are protected up to 100,000 EUR per customer through the Entschaedigungseinrichtung deutscher Banken (German deposit guarantee scheme).

Cash withdrawals are possible at any ATM with the Mastercard logo. Depending on your account plan, 3 to 8 withdrawals per month are free. Via Cash26, you can deposit and withdraw cash at participating retail stores.

With the Standard and Smart plans, a 1.7% fee applies for payments in foreign currencies. With the You and Metal plans, you pay worldwide for free in any currency - no surcharges.

Yes, you can cancel your N26 account at any time free of charge. Cancellation is done directly in the app. There is no minimum contract period and no notice period. Your remaining balance will be transferred to an account of your choice.