How do I add money to my N26 account?

We make it easy to fund your N26 account. You can add money via several methods, including direct deposit, transfer from external bank, external bank account to N26 (ACH transfer) debit card transfer (non funded accounts only), and MoneyBeam, to name a few. Please look below for more information.

Direct Deposit: 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 from our Support Center here(new tab).

Transfer from external bank: Transfer money from your external bank into your N26 account, conveniently, from within the N26 mobile application.

To transfer funds to your N26 account using the N26 mobile application, follow these steps:

  1. Launch your N26 mobile application.

  2. Tap the Actions button at the bottom right of your mobile's screen.

  3. Tap on Add Money.

  4. Tap External bank transfer

  5. Select the account to use to transfer funds from.

  6. Enter the amount you want to transfer.

  7. Tap Continue.

  8. Enter your 4 digit Confirmation PIN.

  9. Tap Confirm transfer to initiate the transfer.

  10. A message will be displayed in your Transaction List indicating that the transfer is scheduled.

External Bank Account to N26 (ACH transfer): Transfer funds directly from your primary bank account into your N26 account with an ACH Transfer.

  1. Log into your financial institution's online banking platform or mobile app (if applicable).

  2. Locate the “External Transfers” or “Transfer Money” or “External Account” or similar option and add your N26 checking account as a new account. (The bank account originating the transfer does not have to be under your name. However, please make sure that the recipient’s name is your full name as entered during the account sign-up process).

  3. Input our ABA routing number (122287675) and your personal checking account number. (You can locate your account number by clicking on the “My Account” option on the top right side of the website or by clicking the icon in the mobile app, after logging into your N26 account).

  4. Your financial institution may make a small test deposit(s) into your N26 account, within a few days, to verify your account. Typically, to complete the process, you may have to confirm the test deposit(s) with the originating financial institution.

  5. Upon completing the initial process, you should be able to transfer funds in or out of your N26 account using the third party banks fund transfer feature.


  • Please be advised that these are general guidelines and your financial institution’s requirements may differ.
  • Some banks may experience issues processing money transfers to the routing number 122287675. At this time, ACH bank transfers from Capital One and from USAA are not available to fund your N26 account. If you encounter this issue, please use another bank account to transfer money into your N26 account.

Debit card transfer (Non Funded Accounts Only): Use a debit card to instantly fund your account right from the app. This is the fastest and simplest way to add money to your N26 account with a free, one-time transaction. Just log into the iOS or Android app and follow the instructions on the main screen.

This option is available to customers who have not previously funded their N26 account.

Find additional details in this document(new tab).

MoneyBeam: Instantly send money to (or receive money from) other N26 members. Find additional details in our "What is MoneyBeam?(new tab)" article.

Third party payment processors

Put money into your account using these services:

  1. Cash App(new tab)

  2. PayPal(new tab)

  3. Venmo(new tab)

  4. Zelle®(new tab)

  5. Ingo Money(new tab) (mobile check cashing service)

Apple Cash®: You can transfer money from Apple Cash into your N26 account.

How can I link my N26 Visa® debit card to Apple Cash?

You can link your N26 card to Apple Cash by following these steps:

  1. Open "Wallet" on your Apple device.

  2. Select "Apple Cash".

  3. Tap the three dots on the upper right hand corner.

  4. Select "Add Money".

  5. Select "Add Card".

  6. Position your N26 card in the frame to scan.

  7. Tap "next" when the scan is complete.

  8. Enter your card's 3-digit security code.

  9. Tap "Next".

  10. Your card is now linked.

How can I transfer money to my N26 account from Apple Cash?

Transferring money to your N26 account from Apple Cash can be achieved by following these steps:

  1. Select "Transfer to Bank".

  2. Enter the amount you want to transfer.

  3. Select how quickly you want the money transferred.

    1. "Instant Transfer". There is a fee associated with this option.

    2. "1-3 Business Days". There is no charge for this option.

  4. Done.