N26 Bank for Travelers – Why Haven’t I Parted with It Since 2015?
N26 is a German online bank that operates fully via mobile – with no physical branches and no unnecessary bureaucracy. Since 2015, it has been my loyal travel companion and has never let me down. You can open an account for free, no matter where you live, and the whole process takes just a few minutes. Simple, fast, and convenient – just the way it should be. If you’re looking for a bank that helps instead of getting in the way… keep reading!
Table of contents:
- Why Is N26 the Perfect Bank for Travelers?
- Why This Account Works So Well While Traveling
- Drawbacks Worth Knowing
- How to Open an Account – Step by Step
- How to Use N26 and Save Money Along the Way
- N26 vs Revolut vs Wise – Who Wins for Travelers?
- My Conclusion – Do I Still Use It and Who Do I Recommend It To?
- 💡 Got Questions? I Had Them Too! (FAQ)
Why Is N26 the Perfect Bank for Travelers?
After moving to Germany, I was looking for a bank that didn’t require a registered address to open an account – and that’s how I discovered N26. I never expected that this would be the account to stay with me for so many years… and through so many countries! With N26, I’ve traveled across half of Europe and even parts of Asia. Throughout it all, it’s helped me save money, set financial goals, make online payments, and handle multi-currency transactions – stress-free and with no hidden fees. This account has survived more relocations than some of my suitcases. And most importantly – it has never let me down.
What Makes N26 Stand Out Among Other Banks?
What won me over with N26 from the very beginning was its incredible simplicity. You open the account online, without leaving your home – literally in just a few minutes and without needing a registered address. No proof of income, no required monthly deposits, no paperwork to sign – just pure convenience.
The bank operates fully online, so everything – from managing your account to blocking your card – is handled through your phone. The account is completely free, and your funds (up to €100,000) are protected under the German deposit guarantee scheme.
For a traveler? It’s a dream! Free euro withdrawals, favorable exchange rates, and low fees for other currencies. You can block or unblock your card, set limits, or disable online payments with a single tap – all in the app. Plus, you’ve got investment options, savings goals via “Spaces,” and in higher-tier plans – solid travel insurance. And all of this without the bureaucracy nobody misses.
Why This Account Works So Well While Traveling
When I travel, I value simplicity, security, and no unnecessary surprises. N26 is a bank that just works – whether I’m paying for coffee in Lisbon, buying a ticket in Bangkok, or withdrawing euros in Berlin. Over the years of using it, I’ve gathered a list of features that truly make a difference – especially when you’re on the move.
Fully Mobile Account – Everything in the App
The biggest advantage of N26 is that I always have all my money right at my fingertips – literally. I log in through the app, invest, save for trips, manage my budget, and sometimes even… earn a little. Using the app is incredibly simple, and the interface is intuitive and user-friendly, even if you’re not a tech geek.
In fact, N26’s own slogan is: “Banking made easy”. That’s exactly how I feel when I’m clicking through everything from a hotel bed or an airport lounge instead of standing in line at a bank.
Free ATM Withdrawals in Euros
With N26, you get a Mastercard that works practically anywhere in the world. You can use it for contactless payments, mobile payments (Apple/Google Pay), and – most importantly – to withdraw cash from ATMs when you still need physical money.
How does it work in practice? That depends on two things: your pricing plan and whether you’re withdrawing cash within the eurozone or outside of it.
Withdrawals in the eurozone:
- Standard – 3 free withdrawals/month
- Smart – 5 withdrawals
- You – 5 withdrawals
- Metal – up to 8 withdrawals
After exceeding the limit – each additional withdrawal costs 2 euros.
Withdrawals outside the eurozone (e.g. in Thailand, USA, UK):
- You and Metal – free withdrawals in local currency
- Standard and Smart – 1.7% fee
It works for me – with a bit of planning, I usually stay within the limits, and if I know I’ll need more withdrawals in a given month, I simply consider upgrading to a higher plan. Simple, transparent, and without any unpleasant surprises.
Transparent Currency Exchange (No Hidden Fees)
One of the things I really like about N26 is how easy it is to exchange currencies – into around 40 different ones. Everything is done in the app: fast, transparent, and with no hidden costs.
You simply enter how much money you want to exchange and choose the currency. The app immediately shows the current rate, the exact amount after conversion, any applicable fee, and when the funds will appear in your account.
You can also do it the other way around – enter how much you want to receive in a given currency, and the app will calculate how much it will cost you in euros. It’s really convenient and eliminates the need to use external calculators or check rates on multiple websites.
Simple, transparent, and – most importantly – at a really good rate.
Travel Insurance and More – Peace of Mind Included
If you choose the N26 You or Metal plan, you get access to a truly solid insurance package – perfect for people who are often on the move and don’t want to worry about “what if” scenarios.
With the You plan, you get travel health insurance, coverage for delayed flights, lost luggage, canceled bookings, and so-called “trip interruption” – situations where you suddenly have to cut short or cancel your trip.
The Metal plan offers even broader coverage, including purchase protection (both online and in-store) and phone insurance. Interestingly, N26 regularly introduces new options, so it’s worth checking the app and keeping an eye on updates in the benefits section.
All of this provides a great sense of security – especially when you’re on the other side of the world and just want peace of mind.
Push Notifications and Transaction Security
Real-time spending control is one of the most important features of N26 for me. Every time something happens on your account – you receive a notification on your phone. Whether it’s an incoming transfer, a card or mobile payment, a processed fee, an attempted charge, or even a minor change in account settings – the app notifies you immediately.
It truly gives you a sense of security. If something looks suspicious, you can react instantly – no waiting, no stress.
Additionally, N26 allows you to block and unblock your card directly in the app. In many banks, this still requires calling customer service or visiting a branch – here, you do it with a single tap.
You can also set transaction limits – daily, monthly, online, ATM withdrawals – and have full control over how you use your money. The app supports login via facial recognition or fingerprint, and it also lets you disable contactless, online, and international transactions. Everything – from your phone, quickly, simply, and securely.
Integration with Google Pay and Apple Pay – Convenience at Your Fingertips
Another major advantage of N26 is the ability to quickly integrate with payment services like Google Pay (on Android) and Apple Pay (on iPhone, Apple Watch, or Mac). You can add your card in just a few clicks – to your phone, watch, or even computer.
It’s the perfect solution if you want to pay without touching the terminal or simply don’t have your physical card with you. Everything works smoothly and securely, and you always have access to your funds whenever you need them – no wallet required.
Drawbacks Worth Knowing
There’s no such thing as a perfect bank – let’s be honest. There’s always something that doesn’t quite work. In the case of N26, there aren’t many downsides, but they do exist.
The most frustrating moment for me was when the bank suddenly discontinued the option to exchange euros into Polish zloty (PLN). What’s more – all my saved contacts for Polish accounts were deleted. And of course, the classic: no notification whatsoever. It’s important to remember that this is a German bank, and when it comes to customer communication, Germans really struggle. Their style is more like “let’s do it, and maybe inform later.”
Withdrawals in Currencies Other Than Euro – Fees Apply
As I mentioned in the section about free euro withdrawals – not all of them are free. And this is where you need to be careful. If you’re using the free plan (N26 Standard), you have to pay for every cash withdrawal outside the eurozone.
Free withdrawals in currencies other than euro are only available with paid plans: N26 You and N26 Metal. With the Standard and Smart plans, each cash withdrawal in a different currency costs 1.7% of the transaction amount.
It’s worth keeping this in mind, especially if you’re planning a trip to a non-euro country and know you’ll need cash.
No Physical Branches – A Disadvantage or Not Necessarily?
Honestly? I’m not sure it’s really that big of a downside. Since 2015, I’ve contacted support maybe five times – and not once did I have an issue getting things resolved. Everything can be handled online, through the app or chat, with no phone calls, no queues, and no appointments.
But… I know not everyone is comfortable with this model. For those who prefer face-to-face interaction with a bank employee, the ability to walk into a branch and talk in person – the lack of physical locations can be a major limitation. N26 is fully digital, so you have to be comfortable with the fact that everything happens remotely.
Customer Support Only Online (and Sometimes Inconsistent)
In the free version of N26, you have access to customer support via chat. However, you should be prepared for a delay in response – there are many customers, and some issues require more in-depth analysis.
In my experience, I’ve been able to resolve every issue within a maximum of 30 minutes. Is that a long time? Maybe for the impatient. But for me, it’s still a pretty decent response time, considering everything happens online and without having to leave the couch.
In higher-tier plans like You or Metal, there’s also access to a priority phone line. Honestly – I’ve never had to use it, and I hope I never will.
How to Open an Account – Step by Step
Opening an account with N26 is incredibly easy, quick, and really takes just a few minutes. You don’t need to go anywhere, print documents, or make phone calls – you can handle everything from your phone or laptop, even during your morning coffee.
Now I’ll walk you through the process step by step. Let’s start by clicking this link: BANK N26
Who Can Apply? (Citizenship, Registered Address)
The N26 account currently operates in 24 European countries (as of April 2025). If you live outside this area – don’t worry, all is not lost. You can join the waiting list through my account setup link and receive a notification when N26 becomes available in your country.
To open an account, you must be at least 18 years old, have a valid ID, and live in one of the following countries where the bank operates:
Austria, Belgium, Denmark, Estonia, Finland, France (excluding overseas territories), Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden.
That’s it – no registered address required, no proof of income, no minimum deposits. Sounds good? Because it is!
Click, Click, Done – Opening Your Account
I’ll now explain step by step how to open an N26 account in just a few minutes. No stress, no leaving the house, and no unnecessary paperwork.
We start the setup by clicking this link: Bank N26. A landing page will open, showing that you’ve received an invitation from me to open an account with N26. From there, it’s all downhill!
- Open the link, then select your language and country of residence at the top of the page. This is important, as the availability of plans may vary by region. Once everything is set, click “Open Bank Account” and proceed.
2. In the next step, you select your country of residence from the dropdown list. This is important because it determines whether you’re eligible to open an account and which options will be available to you. If you live in an EU country – no worries, you’re on the right track.
3. Enter the email address you want to use for your account. Make sure you have access to it – N26 will send a confirmation link and further registration instructions there.
4. Enter your first and last name – exactly as they appear on your ID. This is important because the information must match during the identity verification process.
5. Enter your date of birth. The system will automatically check if you are at least 18 years old – this is one of the requirements for opening an account with N26.
6. Enter your place of birth – the city where you were born – and the country. This information is required for full identification and will later appear on your account.
7. Select your gender – you can choose from three options: female, male, or non-binary. This is a standard part of the registration process, required to open an account in accordance with banking regulations.
8. Create a password for your account – it should be secure, yet easy to remember (though ideally, you won’t need to remember it). I personally recommend using an app like 1Password – it not only helps you generate a strong password but also stores it securely.
9. Before moving on, double-check all the information you’ve entered. Make sure your first name, last name, date of birth, and email address are correct – even a small typo can delay the verification process or prevent you from opening the account. It’s better to take a moment now than to fix everything later.
10. At the end, read and accept the terms and conditions as well as the privacy policy. Once everything looks good, click the “Create my N26 account” button – and that’s it! Your account is now created, and you’re one step closer to stress-free mobile banking.
Online Verification
Only identity verification remains… No worries, it’s really nothing difficult. The entire process is done online – you can either upload a photo of your ID or join a short video call to show your ID or passport. It takes just a moment, doesn’t require any special skills, and then… you’re all set!
How to Use N26 and Save Money Along the Way
N26 truly makes managing your finances easier – both while traveling and in everyday life. With the Spaces feature, you can set money aside for specific goals – either manually or completely automatically. The referral program lets you earn small rewards, and if you add investing in yourself to the mix… things start to look pretty good. But trust me – this is just the beginning!
Choosing the Best Pricing Plan
N26 offers four different pricing plans. Whether you want to use the account for everyday banking or just while traveling – you’ll find something that suits your needs. Each plan has its own benefits and differs in the range of services it offers, so I’ll briefly and clearly explain what each one includes. This will help you decide which option is best for you.
| Feature | N26 Standard | N26 Smart | N26 You | N26 Metal |
|---|---|---|---|---|
| Monthly fee | €0.00 | €4.90 | €9.90 | €16.90 |
| Physical card | No (virtual only) | Yes | Yes | Yes |
| Card issuance fee | – | €10.00 | €10.00 | €0.00 |
| Additional card option | No | Yes | Yes | Yes |
| Google Pay / Apple Pay | Yes | Yes | Yes | Yes |
| International transfers via Wise | Yes | Yes | Yes | Yes |
| Free ATM withdrawals (EUR zone) | 3 / month | 5 / month | 5 / month | 8 / month |
| Extra ATM withdrawal fee (EUR) | €2.00 | €2.00 | €2.00 | €2.00 |
| ATM withdrawals in non-euro currencies | Not available | 1.7% of amount | Free | Free |
| Card payments commission | None | None | None | None |
| Cashback | Only in Business | Only in Business | Only in Business | Only in Business |
| Cryptocurrency access | Yes | Yes | Yes | Yes |
| Sub-accounts (Spaces) | Yes | Up to 10 | Up to 10 | Up to 10 |
| Shared sub-accounts (Shared Spaces) | No | Yes | Yes | Yes |
| Travel insurance | No | No | Yes | Yes |
| Purchase & phone insurance | No | No | No | Yes |
| Dedicated support hotline | No | Yes | Yes | Yes |
| Exclusive partner offers | No | No | No | Yes |
| Savings account with interest | No | No | No | Yes (from Feb 19, 2025) |
Avoiding Cash Withdrawal Fees
As you already know, N26 has its limits depending on the plan and whether you’re inside or outside the eurozone:
Withdrawals in the eurozone:
- Standard – 3 free withdrawals/month
- Smart – 5 withdrawals
- You – 5 withdrawals
- Metal – up to 8 withdrawals
After exceeding the limit – each additional withdrawal costs 2 euros.
Withdrawals outside the eurozone (e.g. in Thailand, USA, UK):
- You and Metal – free withdrawals in local currency
- Standard and Smart – 1.7% fee
How can you avoid these fees? The best way is to follow a few simple rules:
- Plan your withdrawals in advance – take out larger amounts less frequently, instead of small amounts every day.
- Pay by card whenever possible – especially in countries where cashless payments are widely accepted.
- Consider switching your pricing plan for the duration of your trip – sometimes the monthly fee can actually save you money.
- Check ATMs – some charge their own fees, regardless of N26. It’s worth checking them in advance using the Mastercard ATM locator: Find Nearest ATM
- Avoid dynamic currency conversion (DCC) – if the ATM asks whether you want the withdrawal converted to euros or your home currency, always choose the local currency. DCC rates are usually much less favorable.
Spaces Feature – Budget Organization
The Spaces feature is my little discovery that genuinely helped me learn how to save – and with minimal effort. It allows me to quickly set aside money for a dream vacation, a new car, or simply build an emergency fund – which, as we know, always comes in handy.
With the standard plan, you can create up to 10 additional spaces, which are like virtual “envelopes.” On higher-tier plans, you can even link a separate virtual card to a specific space. It’s a great option if, for example, you want to use only the “Travel” budget during a trip, without risking the money saved for other goals.
How does saving with Spaces work?
- You can set a specific amount and deadline – the app will suggest how much you should save weekly or monthly to reach your goal.
- The Income Sorter feature allows you to automatically split incoming funds. Example? You set 10% to go toward vacation, 15% to your emergency fund, and the rest to your main account – and it all happens automatically with every incoming payment.
- Manage Round-Ups – this is the round-up feature. If you pay €2.75 for coffee, the system rounds it up to €3, and those 25 cents are automatically saved to a selected space. Yes, you still pay €2.75 – but you’re quietly saving, step by step.
- You can also set up a recurring monthly transfer – for example, €50 to “Italy 2026” – and you’re all set.
For me? A game-changer. And it really works, because I don’t have to think about it – the money just builds up on its own.
Split the Bill – Easy Expense Sharing
The Split the bill feature is a true lifesaver for shared outings – to the movies, dinner, or while traveling. It lets you instantly split a bill with another N26 user, no calculator, no “how much do I owe you?” questions, and no guessing with manual transfers. Just a few taps in the app, and the amount is split – clearly and hassle-free.
This feature works between N26 accounts, so if you travel or live with someone who also uses the bank – you’ll love it from the very first time.
Investments – From €1 to ETFs and Cryptocurrencies
No matter if you have a Standard or Metal account – with N26, you can start investing from just 1 euro. And it’s not just about bitcoin! N26 allows you to invest in around 200 cryptocurrencies, as well as stocks and ETFs. If you don’t want to pick companies or markets yourself, you can use ready-made investment funds, available in countries like Ireland, Austria, Belgium, Denmark, Finland, Germany, the Netherlands, Spain, and Norway.
All of this is available in a single app – simple, transparent, and without complicated terminology. And if you’re just starting your investment journey, you can easily test it out with small amounts and see how it works.
Spending Categorization – Control Your Finances
This feature helped me understand where I’m really spending my money – and where I can easily cut back. Expense categorization works automatically, but you can also assign transactions manually if something doesn’t match. This gives you an overview of how much you spend on things like dining out, transportation, shopping, travel, or entertainment.
It’s a great option if you want to keep your budget under control, plan your savings, or simply figure out why things “somehow disappeared” by the end of the month again. Combined with Spaces and the Income Sorter – N26 becomes a pretty solid tool for everyday money management.
Partnerships, Discounts
N26 partners with many well-known brands, offering significant discounts on various services. Among its partners are Rentcars, easyJet, NordVPN, WeRoad, Tiquets, and Busuu – everything a traveler might need: from flights and car rentals to language apps and attraction tickets.
Discounts can reach up to 60–70%, and there are often additional vouchers available. Importantly, N26 clearly states that users on higher-tier plans have greater access to special offers, and the discounts themselves tend to be more generous.
My advice? Check the partnerships tab in the app from time to time – you might just find a promo code for your next flight ticket at a great price.
Another advantage of N26 is its referral program, which lets you earn a few euros – with minimal effort. The rules of the program change from time to time, depending on the promotion and campaign period, but you can usually expect to earn anywhere from €5 to even €80 for each person you invite to open an account.
Just like I’m inviting you with the link HERE!, you can later invite others the same way.
How does it work?
Simply copy your unique referral code from the app and share it with a friend. Once they open an account using your code, they need to meet a spending requirement (meaning they just have to use the account a bit), and after a few weeks or months – the bonus is credited directly to your account.
It’s not a way to earn a steady income, but as a nice addition to your travel budget – it’s definitely worth it.
N26 vs Revolut vs Wise – Who Wins for Travelers?
To help you absorb all the information more easily, I’ve prepared a comparison table of N26, Revolut, and Wise. Which option is best for you depends on your needs and travel style. Take a look and decide for yourself!
| Feature | N26 | Revolut | Wise |
|---|---|---|---|
| Monthly fee | Standard: €0 Smart: €4.90 You: €9.90 Metal: €16.90 | Standard: €0 Plus: €2.99 Premium: €7.99 Metal: €13.99 Ultra: €45 | Account: €0 Pay-per-use for services |
| Travel insurance | In You and Metal plans | In Premium, Metal and Ultra plans | Not available |
| Partner discounts | In Smart, You and Metal plans | In Premium, Metal and Ultra plans | Not available |
| Referral program | Yes, amount depends on promotion | Yes, amount depends on promotion | Yes, amount depends on promotion |
| Contactless payments | Yes | Yes | Yes |
| Virtual cards | Yes | Yes | Yes |
| Mobile payments | Yes (Apple Pay / Google Pay) | Yes (Apple Pay / Google Pay) | Yes (Apple Pay / Google Pay) |
| ATM withdrawals | Standard: 3 free/mo (EUR zone) You: 5 free Metal: 8 free €2 per extra | Standard: up to €200/mo free, then 2% fee Higher limits in paid plans | 2 free/mo up to €200, then 1.75% fee |
| Currency exchange rates | Mastercard rate, no extra fee | Interbank rate up to €1,000/mo, then 0.5–1% Higher limits in paid plans | Interbank rate + 0.35–2% fee depending on currency |
| Number of currencies | 40+ | 30+ | 40+ |
| Interest on funds | Up to 3% (Metal plan) | Up to 4.75% (plan & currency dependent) | Depends on currency and country |
| Crypto support | Yes | Yes | No |
| Customer support | 24/7 chat; hotline in premium plans | Chat; priority in paid plans | Email & chat only |
| Geographic availability | 24 European countries | Europe, USA, Australia, Asia | Global |
Each of these options has its strengths. N26 is a great choice for those looking for a stable, European bank with a full-featured app and solid travel insurance. Revolut is perfect for people who frequently exchange currencies and like having extra features at their fingertips – but you’ll need to keep an eye on limits and weekend rates. Wise, on the other hand, is ideal for those who focus mainly on international transfers and low currency exchange fees.
There’s no one-size-fits-all answer – it all depends on how and where you travel.
My Conclusion – Do I Still Use It and Who Do I Recommend It To?
Since 2015, N26 has been with me both on my travels and in everyday life. Over the years, there have been a few hiccups – sometimes my fault, sometimes unexpected – but despite it all, this bank is still the one I stick with.
There were times when I ended up paying too much because I unnecessarily exchanged currencies or withdrew cash from the wrong ATM. There were also two occasions when my card got lost during shipping (of course, the blame was placed on the postal service), and I had to wait almost a month and a half to receive it.
But even then, I was still able to use Apple Pay, even though the physical card hadn’t been activated – and that’s a huge plus for me. The ability to pay with a “ghost” card is a real lifesaver if you lose your card, someone blocks it, it gets damaged, or you suspect fraud.
Payments have never let me down either – they worked flawlessly both in Europe and in Asia. And as for support? Even though it’s online-only, I’ve always managed to resolve issues quickly and efficiently.
The biggest downside for me was the sudden removal of the currency conversion option for a specific currency, along with the deletion of all my saved contacts for Polish accounts – without any warning. After all, N26 is a German bank, and customer communication there can be… hit or miss.
That said, I can see the bank is evolving. I hope they introduce Visa cards in the future – and then, with just one account, you could truly explore the whole world and pay anywhere.
💡 Got Questions? I Had Them Too! (FAQ)
Do you have questions about N26? Below, you’ll find the most frequently asked questions with short, to-the-point answers – based not only on facts but also on my personal experience with N26, which I’ve been using since 2015.
If you don’t see your question answered here – feel free to reach out through the CONTACT form. I’ll do my best to get back to you as soon as possible!
Does N26 operate outside the EU?
As of now (April 2025), N26 accounts can be opened by residents of 24 European countries. These are: Austria, Belgium, Denmark, Estonia, Finland, France (excluding overseas territories), Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
If you live outside these countries – you can join the waiting list through my registration link. The bank is constantly expanding, so there’s a chance it will become available in more locations in the future.
The app and payment features work worldwide without any issues, so using the account while traveling is not restricted by location.
Can I have N26 without a German address?
Yes! You don’t need a German address to open an N26 account. You just need to live in one of the 24 European countries where the bank operates. It’s a bank for all of Europe, not just for Germans – and that’s exactly why it works so well for travelers.
Is N26 safe?
Yes, N26 is a very secure bank. Your account is protected by real-time push notifications, the ability to instantly block and unblock your card, biometric login (like fingerprint or facial recognition), and advanced data encryption. All of this gives you full control over your account.
I personally experienced an attempt to steal my card details – and with just one tap in the app, I was able to block the card and prevent any money from being taken. For me, that’s a huge plus and a sense of security I never had with traditional banks.
How does currency conversion work?
Currency conversion in N26 is very intuitive – just open the app, enter the amount, choose the currency, and you’re done. Everything happens in real time, with no hidden fees and at a very good rate.
You can convert euros into over 40 different currencies. The app shows you exactly how much you’ll get after the conversion, the exchange rate, and when the money will arrive in your account. You can also set how much you want to receive in the target currency, and the system will calculate how much you need to send.
Conversions in N26 are processed in partnership with Wise, so everything is fast and transparent. I’ve used this feature many times – and it’s always been smooth and surprise-free.
Can I have more than one N26 account?
No, N26 allows only one personal account per person. If you need separate spaces for different goals, you can use the Spaces feature, which lets you create up to 10 sub-accounts within a single account. This makes it easy to organize your finances without the need to open multiple accounts.
How long does a transfer to an N26 account take?
SEPA transfers (in euros) usually arrive in your N26 account within 1–2 business days. If you’re using international transfers via Wise, the processing time depends on the sender’s country and the currency, but in many cases, the funds arrive the same day.
How do I close my N26 account?
To close your N26 account, simply log in to the app or the website and contact customer support via chat. Make sure your account balance is 0 EUR and all transactions have been settled. The account closure process is straightforward and shouldn’t take much time.
Does N26 offer loans or credit?
Currently, the bank offers loans to residents of Germany, France, and Spain – in amounts ranging from €1,000 to €50,000, depending on the country and type of financing. N26 is constantly expanding, so it’s worth checking the Finances or Explore section in the app regularly – this option may become available in other countries soon.
Does N26 offer a joint account?
Yes, N26 offers a joint account, which is a shared account for two people. Each user must first have their own personal account, and then one person can invite the other to join the shared account – or accept such an invitation. It’s a great option for couples, roommates, or close friends who want to manage their finances together.
Does N26 offer a business account?
Yes! The N26 Business account is designed for freelancers and sole proprietors. Its limits and features are similar to the personal account, but it includes an extra benefit: the ability to download statements in PDF or CSV format, which makes accounting easier. Plus, with the business plan, you can earn 0.1% cashback on card payments.
Is N26 a real bank?
Yes, N26 is a fully licensed European bank headquartered in Germany. It operates legally under German banking law and is part of the deposit guarantee scheme, protecting funds up to €100,000 – just like other banks in the European Union.
Where is N26’s headquarters located?
N26’s headquarters is located in Berlin, and the full address is:
Voltairestraße 8, 10179 Berlin, Germany
What is N26’s SWIFT code?
The SWIFT (BIC) code for N26 is: NTSBDEB1XXX. You’ll need this code if someone wants to send you a transfer from a bank outside the SEPA zone, such as from the UK or the USA.
Does N26 have cash deposit machines?
Yes, N26 allows you to deposit cash in euros, but only in selected countries and through partner networks, such as grocery stores. The service is called Cash26. Deposits are free up to a certain monthly limit (depending on your pricing plan), and fees may apply if that limit is exceeded.
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