Why is N26 secure?

To protect your account, we use a two-layer security architecture:

  • Secure login. Your login, on both the mobile app and web app(new tab), consists of a username and password or fingerprint/face recognition (depending on your smartphone). Please choose a secure password and do not reveal your login details to anyone.
  • Confirmation PIN. This 4-digit code is required every time you make a transfer or connect/disconnect your phone. It is first set up when you have successfully connected your smartphone to your account, and can then be changed in the application after that. (Note: a Confirmation PIN is not the same as a Card PIN, which is the code you use when you withdraw cash from an ATM with your N26 card.)

Every time you contact us, we’ll ask you some security questions to make sure it's really you. But we’ll never ask for your debit card number, card verification code (CVV), password, or your card or Confirmation PIN(s).