Unser Fazit
N26 is a Berlin-based mobile bank with a full German banking licence and €100,000 deposit protection, offering a polished app and fee-free card spending at the mid-market rate. It is EUR-centric and limited to around two dozen European markets, so it is not a true multi-currency account. Best for clean everyday banking within the Eurozone.
Vorteile
- Full German banking licence, €100k protection
- No FX markup on card spending
- Clean, well-designed mobile app
- Sub-accounts (Spaces) & budgeting tools
Nachteile
- EUR-only account; not truly multi-currency
- Available only in select European markets
- ATM withdrawal limits/fees on free plan
- App-only support, no branches
Gebühren & Eckdaten
| Anmeldung | Free |
|---|---|
| Monatsgebühr | Free → €16.90/mo (Metal) |
| Senden / Empfangen | Free SEPA transfers in EUR |
| Wechselkurs | Mid-market on card payments |
| Auszahlungen | Limited free EUR; foreign ATM fee on free plan |
| Karte | Yes — debit Mastercard; stainless on Metal |
| Verfügbarkeit | ~24 European markets |
| Währungen | EUR account; spends worldwide at mid-market |
| Gegründet | 2013 |
| Hauptsitz | Berlin, Germany |
| Regulierung | BaFin / German full banking licence (ECB) |
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N26 — frequently asked questions
Is N26 safe to use?
N26 is regulated by BaFin / German full banking licence (ECB) and uses standard protections such as encryption and two-factor authentication. As with any provider, make sure it is licensed in your country, use a strong password and never share one-time codes.
What fees does N26 charge?
Account/monthly fee: Free → €16.90/mo (Metal). Sending or receiving: Free SEPA transfers in EUR. Currency conversion: Mid-market on card payments. Withdrawals: Limited free EUR; foreign ATM fee on free plan. Fees can change and may vary by country, so always confirm the latest terms on the official N26 site.
Which countries can use N26?
N26 is available in ~24 European markets. Exact availability, currencies and features can differ by country, so check the provider's site for your location.
Does N26 offer a card?
Yes — debit Mastercard; stainless on Metal. It supports EUR account; spends worldwide at mid-market.
What is N26 best for?
N26 is best for everyday banking in the eurozone. N26 is a Berlin-based mobile bank with a full German banking licence and €100,000 deposit protection, offering a polished app and fee-free card spending at the mid-market rate.
Who is behind N26 and where is it based?
N26 launched in 2013 and is based in Berlin, Germany, regulated by BaFin / German full banking licence (ECB).
Comments 9
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I've been using N26 as my main bank account in France for three years. It is incredibly stable, notifications are instant, and the spaces feature is great.
Very happy with the app speed and budgeting tools. However, they don't have phone support for the free tier, only in-app chat.
Excellent neobank. The sub-accounts (Spaces) make budgeting very easy. The card design is sleek, and no foreign transaction fees are charged.
Very happy with the app speed and budgeting tools. However, they don't have phone support for the free tier, only in-app chat.
Very happy with the app speed and budgeting tools. However, they don't have phone support for the free tier, only in-app chat.
Excellent neobank. The sub-accounts (Spaces) make budgeting very easy. The card design is sleek, and no foreign transaction fees are charged.
A real bank account on your phone! I got a German IBAN, free ATM withdrawals, and Apple Pay setup in 10 minutes. The app UI is beautiful.
The app is nice, but their automated fraud system blocked my account for a weekend check. Compliance support was hard to reach and didn't explain why.
I've been using N26 as my main bank account in France for three years. It is incredibly stable, notifications are instant, and the spaces feature is great.