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.
  • Since 1st July 2020 a limit of 100.000€ for incoming SEPA instant transfers applies.
  • No limit applies to normal incoming SEPA transfers

2. Debit or Credit Card (instant)

  • You can choose to deposit between 20€ and 2500€ 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.

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 2500€ 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

3. Apple Pay or Google Pay (instant):

  • You can choose to deposit between 20€ and 2500€ 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 and, If you have Italian Terms & Conditions the maximum limit is to add money via debit card, credit card or digital wallets is 450€ per calendar month.

4. Moneybeam (instant):

  • You can receive money from other N26 users.

5. CASH26 (instant):

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

6. iDEAL (instant):

  • Available only in the Netherlands for customer with Dutch T&C and with a iDEAL account
  • The first deposit is free. The following deposits charge a fee of 3% of the deposit amount.

7. EPS (instant):

  • Only available in Austria for customers with Austrian Terms and Conditions and an EPS account.

8. Bancontact (instant):

  • Only available in Belgium for customers with Belgian Terms and Conditions and a Bancontact account.

Important reminder for SEPA Transfers:

  • If you deposit money into your N26 account via SEPA transfer, please make sure that the recipient name corresponds to your name as it is entered on the identification document that you used for your verification when opening the account.
  • (Especially if you have an N26 Business account - we do not accept company names.) An incoming transfer is booked in real time, as if it was made as a real time transfer, otherwise a transfer takes 1-2 working days.
  • From July 1st, 2020, there will be a limit of € 100,000 for incoming real-time transfers.
  • In France, the first payment must be made to your N26 account from an account that you own. (In all other countries it is not necessary that the other bank account belongs to you.)