How to get a N26 Overdraft?

ℹ️ Applies to Germany and Austria

You can apply for an overdraft directly in the app. You’ll know whether you qualify in real-time. No paperwork needed.

Go to the Credit tab then Overdraft and Check eligibility. You can also cancel, change the limits of your overdraft, or view the interest you’ve accumulated there at any time.

We offer an 8.9% interest rate. At the end of every quarter, we’ll deduct the interest from your account.

You can find more information in our Overdraft Terms & Conditions(new tab).

Prefer a video over text? Watch the tutorial(new tab) on our N26 Support YouTube(new tab) channel.

Want to tell your friends about us and earn some money? Get €15 for each friend that you successfully refer to N26. Learn more about our Refer a Friend Program.