How to open my N26 account?

You can open an account in the app (on your smartphone) or in N26 for Web if you:

  • are at least 18 years old

  • are a resident of a supported country

  • own a compatible smartphone

  • hold a supported ID (eligibility depends on whether you live in Germany or outside of Germany)

  • don't already have an account with us

Step 1: After confirming your email, personal details, and shipping address, select the type of account you want. *

Step 2: Prove your identity and connect your smartphone to your new account.

Step 3: At this point you'll be able to top up your account via SEPA transfer. Alternatively, cash deposits are available with CASH26 (if you’re in Germany or Austria).

Step 4: After a few days, you’ll receive your N26 Mastercard by post.

*If you meet our minimum creditworthiness criteria, you can open an N26 account. If you don’t, we may offer you an N26 Flex account (Germany only). This decision is calculated through an automated process, we cannot influence it.

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.