How to top up by card, Apple Pay, and Google Pay

You can now add money by using a debit or credit card as well as Apple or Google Pay. This is the fastest and easiest way to fund your N26 account.

Adding money with a Debit or Credit card

  • Open your N26 app and tap “Add money”
  • Select “Card transfer”
  • Choose an amount and enter your name on card, card number, expiration date and CVC
  • Follow the steps to confirm the payment
  • The money is available on your account instantly
  • You can choose to deposit between 20€ and 2500€ per top-up, for a maximum of 2500€ per calendar month.

Setup Recurring Top-ups with a Debit or Credit card

  • All recurring top-ups will be charged a 3% fee (If the first top-up is made as part of a recurring top-up, it will not be free and will also have a 3% fee applied)
  • Only using Debit or Credit cards
  • It is possible to setup a recurring Top-up Daily, Weekly or Monthly
  • The Monthly (calendar) limit of 250€ still applies
    • This limit is the total for recurring and one-off top-ups
  • Of course the card details will need to be stored to automate this top-up

Please note, If you have Italian T&C the maximum limit is 450€ per calendar month.

Adding money with a Apple or Google Pay

  • Open your N26 app and tap “Add money”
  • Select “Apple Pay” or “Google Pay”
  • Choose an amount 
  • Follow the steps to confirm the payment
  • The money is available on your account instantly

Accepted cards

  • Debit cards.
  • Credit cards (Except America Express).
  • Prepaid cards (only for customers with Italian Terms & Conditions).

To find out more about the difference between debit, credit and prepaid cards read this article.

Cost

Whilst this is the fastest and easiest way to instantly add funds in your N26 account, for us, processing these instant top-up transactions is more expensive than other account funding methods we offer.

For both methods, the first deposit is always free but extra deposits are charged a fee of 3% of the deposit amount. By charging a card or digital wallet, your money is not sent to N26 instantly, and the fee covers additional costs associated with funding accounts before the money is received so that it is instantly available for your use.