How to log in with Two Factor Authentication?

Two-Factor Authentication is an authentication process based on the use of two or more secure elements. You’re probably familiar with using only  your personal password to sign in to your account, but with Two-Factor Authentication you’ll need either confirmation from a paired device or an SMS code.

Go here for more information on Two-Factor Authentication

When you log into your N26 account from the web app or a non-paired device, you’ll be asked to confirm a push notification on your paired device or, if this isn't possible, you can request an SMS code to be sent to your registered number, confirming your login attempt. This ensures that only you can log in to your N26 account.

When you log into your N26 account from your paired device, Two-Factor Authentication is already in motion. This means the process of logging into your N26 account from your paired device stays the same.

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 to reset 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.

Read more in our article on how to create a password.

If you’ve lost access to your paired device, but you still have access to your registered phone number, you’ll be able to log into your N26 account and request an authentication code. To do this:

  1. Login to the Webapp

  2. When prompted to confirm your login on your paired device, select Help

  3. Choose Send SMS Code

  4. Once you receive the SMS code, input it into the Webapp

As you've just confirmed the authentication code you’ve successfully 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 via an SMS verification code which 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.