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

This is how the sign-up process for an N26 bank account works:

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

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

  3. You can now, as a new sign-up, top up your account directly from your app. You'll be given the option to choose how you'd like to top up your account: Debit/Credit Card, Apple Pay/Google Pay (if it's available to you), or Bank Transfer. You'll then need to enter your card/bank details from your other account. Alternatively, cash deposits are available with CASH26 (if you’re in Germany or Austria).

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

If you'd like more information, here's how you can get in touch with us.

*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.

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.