How to log in with Two Factor Authentication?

To keep your N26 account secure, logging in requires two steps.

• If you’re eligible for Keyless, you can log in using your email and password plus a quick face scan on your phone.
• If you don’t use Keyless, you’ll use a code sent to your paired device or registered phone number.

Go here for more information on Two-Factor Authentication

If you're using Keyless, simply log in to your N26 app, then complete a biometric face scan. Once successful, you’ll have full access to your account — no SMS or push code required.

If you don’t have Keyless:

• Log in with your email and password on the WebApp or a non-paired device,
• Confirm the push notification on your paired device or, if this isn't possible, request an SMS code to be sent to your registered number, confirming your login attempt.

First, you’ll need to update your phone’s operating system and the N26 app to their latest versions. If you’re unable to login to your account, but still have access to your registered email address, try changing your password.

If you don’t have access to your registered email address, please contact us via live chat and we’ll be glad to help you out.

You can reset it at any time by following the steps in how to change your password.

If you’ve lost access to your paired device, but you still have access to your registered phone number, you can still access your N26 account from the the WebApp. To do this:

1. Login to the WebApp with your email and password.
2. When prompted to confirm your login on your paired device, select Didn’t get a notification?, then on the next step Still having issues?
3. On the Try another method window, select Send SMS code.
4. Once you receive the SMS code, enter it on the confirmation screen.

As you've just confirmed the authentication code, you’ve completed two-factor authentication, and can now pair your new device with your account.

If you don’t have access to your registered phone number – either because you have a new phone number, or your phone was lost or stolen – please contact our customer service via live chat and we’ll be glad to help you out.

If you have an older smartphone that doesn’t support the latest app version, you won’t be able to access N26 via the mobile app anymore using that phone.

However, you can still use our WebApp to view your account. To do this, you'll need to confirm your login attempt with a one-time password. This is a 6 digit code that we'll send to your account's registered phone number.

You’ll still be able to complete card transactions and cash withdrawals as normal using your Mastercard, but bear in mind that you won't be able to perform any bank transfers or payments until you can confirm the transfer within the N26 app.

Read more in our article on Strong Customer Authentification.