Direct Deposit

One of the benefits of banking with N26 is that we make your direct deposit funds available upon receipt of payment instruction versus the traditional banking practice of posting the funds at settlement. Your deposit is made available to you as soon as we receive it, and you will receive a notification when it reaches your account!

If you intend to fund your account via direct deposit, you have a few options.

  1. Simply provide the sender (your employer, financial institution, Armed Forces, Social Security, etc.) with our ABA routing number (122287675) and your personal N26 account number. You can locate your account number by clicking on the “My Account” option on the top right side of the website (and the mobile application) after logging into your N26 account.
  2. You can fill out a direct deposit form directly in the N26 mobile application and print it or share it electronically. Find out how here (new tab).
  3. In case your employer needs a physical direct deposit form, you can download one here (new tab).

Frequently Asked Questions:

Where is my direct deposit?

If you are concerned about your deposit, please reach out to the sender to confirm when the funds were released and ensure that they were sent to the correct account and routing number. If 3-5 business days have elapsed and your funds have not arrived, please request a 15-digit trace number from the sender, so that we may assist you in determining the whereabouts of your funds. 

Do holidays affect when my direct deposit arrives?

Please keep in mind that we observe all federal and bank holidays. On those days, banks are unable to process deposits, which may delay the arrival of your direct deposit. Please reach out to your payroll provider to determine how they deal with holidays that may conflict with your payday. To see a list of federal and bank holidays that we observe, please visit here. 

Can I get my stimulus payment/tax return refund deposited directly into my account?

Absolutely, and the good news is that your deposit is made available to you as soon as we receive it. You can also find more information about the stimulus payment in our article here.