Open an N26 account - how to create a new bank account

If you would like to open a current account with N26 Bank, you can choose between different offers for private and business customers. However, there are a few things to keep in mind when opening a new account.

Things to consider when opening an account

To open a checking account with N26 Bank, you must be at least 18 years old. Creditworthiness is also not an issue, as the bank only offers credit accounts. This means that you can't go into the red and save yourself interest. Nationality is also irrelevant for now. If you want to use the Master Card that comes with the current account, you must be a resident of either Germany or Austria.

• Opening an account with N26 Bank is done exclusively via the Internet. If you need to confirm your identity, you can do so via video chat with a bank employee. If you have a German ID, you can alternatively confirm your identity via the Postident service of Deutsche Post.
• After opening your account, you can only manage your finances via the website or the app, as N26 is an online-only bank.
• The N26 Bank is required by law to provide a deposit guarantee of 100,000 euros per account or person.

N26 account packages

With the free standard account of the N26 Bank, you can withdraw money and make SEPA transfers in EU member states free of charge. With the fee-based N26 Black and N26 Metal accounts, you receive additional services compared to the N26 standard account, such as partner offers or preferred customer service.