How to top up my account?

Once you are successfully verified, you'll be able to top up your account in several ways. To do so, simply go to the N26 app and select 'Add Money' to see the available options:

1. SEPA Transfer (Up to 2 business days):

  • The transfer must be in EUR and within the SEPA zone.
  • You will need to provide your IBAN and your name as it is written on the ID you used to create your account.
  • If you have a Business account, please keep in mind that we do not accept company names.

2. Debit or Credit Card (instant):

  • You can choose to deposit between 20€ and 150€ per top-up, for a maximum of 450€ per calendar month.
  • The first deposit is free. The following deposits charge a fee of 3% of the deposit amount.
  • Simply enter the card details from the sending account.

Please note, prepaid cards and American Express credit cards are not accepted.

3. Apple Pay or Google Pay (instant):

  • You can choose to deposit between 20€ and 150€ per top-up, for a maximum of 450€ per calendar month.
  • The first deposit is free. The following deposits charge a fee of 3% of the deposit amount.
  • Simply enter the card details (credit or debit) linked to the Apple Pay or Google Pay account.

Please note, prepaid cards and American Express credit cards are not accepted.

4. Moneybeam (instant):

  • You can receive money from other N26 users.

5. CASH26 (instant):

  • Available in Germany, Austria and Italy.
  • Deposit cash through our partner stores once your card is activated and with your paired device.