Is N26 a bank in the U.S.?

N26 Inc. is not a bank and does not accept deposits or provide banking products. N26 Inc. acts as a service provider to Axos Bank®, and the deposit and banking products obtained through the N26 platform are provided by Axos Bank.

Axos Bank is a federal savings association and an FDIC-insured depository institution (FDIC Certificate 35546). Deposits made at Axos Bank through the N26 platform receive FDIC insurance protection on a pass-through basis up to the applicable legal limit. When determining the amount of your deposits covered by FDIC insurance, please note all deposits you make through the N26 platform will be aggregated with all deposit accounts of the same ownership and/or vesting held at Axos Bank and Axos Bank brands.

Additional information regarding FDIC insurance coverage is available at The N26 Visa® Debit Card is issued by Axos Bank pursuant to a license by Visa U.S.A. Inc.  The N26 Visa Debit Card may be used everywhere Visa debit cards are accepted.

In the United States, N26 is a fintech company, not a bank and operates through N26 Inc. Outside the United States, N26 operates through other affiliates.  N26 Bank GmbH is a non-US bank, is not FDIC-insured, and does not offer or provide banking services in the United States or to US residents.