N26 review
Updated September 29, 2026 · SumCue Editorial Team · Facts checked September 29, 2026
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Our verdict
N26 suits savers who want flexible access alongside everyday banking, with deposits that remain available at all times for easy planning. Headline returns run 0.3% to 1.5% on a variable basis, while cover sits at EU DGS up to EUR 100,000 for added reassurance.
Key facts
- Best for
- Flexible everyday saving with instant access
- Headline rate
- 0.3% to 1.5%↗
- Rate type
- Variable↗
- Minimum deposit
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Deposit and withdraw anytime with no limits↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Regulators
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)↗
- Legal entity
- N26 Bank SE↗
- Headquarters
- Germany↗
- Founded
- 2013↗
- Support channels
- Chat, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- n26.com
Credit cards
Pros and cons
Pros
- Minimum deposit is €0, so saving can start with any amount held
- Monthly account charge is €0 with a debit Mastercard card included
- Foreign transaction charge is 0%, helpful for travel spending
Cons
- Rate is variable, so returns can move down as well as up
- Card rewards are none, so spend earns no extras on purchases
Who it suits
- Savers seeking flexible access with banking in the same app
- Travellers wanting a debit card with no conversion charge
Who should look elsewhere
- Rate chasers who want higher headline returns may prefer XTB for 4%
- Savers focused on interest alone may prefer eToro for 3.8%
How N26 compares
9.0 vs 8.0
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 8.5
9.0 vs 9.4
9.0 vs 8.7
9.0 vs 8.9
9.0 vs 9.2eToro may suit savers wanting higher interest as it offers 3.8% against 0.3% to 1.5% from N26.
9.0 vs 8.7
9.0 vs 9.3
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0- 9.0 vs 8.0
9.0 vs 9.0
9.0 vs 8.6
9.0 vs 8.3
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9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
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9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.0
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9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.9- 9.0 vs 8.9
9.0 vs 8.9
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9.0 vs 8.7
9.0 vs 8.5
9.0 vs 8.5
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9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.4- 9.0 vs 8.0
9.0 vs 9.0
Where N26 is available
- Available
- Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland
- Licence in Germany
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 29, 2026
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
What interest rate does N26 pay on savings?+
N26 pays returns of 0.3% to 1.5% on savings, set on a variable basis so the figure can move over time. The range reflects different plan tiers within the app. Check the current applicable tier before opening, as variable returns may rise or fall.
Is there a minimum deposit to open N26 savings?+
N26 sets a minimum deposit of €0, so balances can begin from a very low level and grow gradually. The approach suits cautious savers building a reserve alongside daily spending. Funds can be added as often as desired without meeting a threshold.
Is money held with N26 protected?+
N26 Bank SE holds cover of EU DGS up to EUR 100,000 under EU rules. The scheme applies per depositor at the bank, giving clear protection for savings held in the account. Balances above the limit would sit outside that guarantee, so larger holders may wish to spread funds.
What fees does N26 charge for the account and card?+
N26 charges a monthly fee of €0 for the standard account and an annual card fee of €0. The structure keeps everyday banking and saving in the same place without fixed upkeep. Paid plan upgrades exist separately, but the core account avoids recurring charges.
What card is included and what are foreign payments like?+
The linked card is a debit on the Mastercard network, useful for daily purchases and cash access. Currency conversion carries a fee of 0%, which helps keep travel spending predictable. Card rewards are none, so value comes from low costs rather than points.
Who regulates N26 and how can savers get help?+
N26 is overseen by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), with services provided through N26 Bank SE. Help is available through chat, phone and help centre, giving chat, phone and self help options for account queries. The setup suits app based banking where most tasks are handled online.
Sources
- n26.com checked September 29, 2026
Backs: Monthly fee
“The standard N26 bank account is free, with no opening or maintenance fees”
- n26.com/en-eu/about-n26 checked September 29, 2026
Backs: Founded
“2013 N26 is founded in Berlin”
- n26.com/en-eu/foreign-transaction-fee checked September 29, 2026
Backs: Currency conversion fee
“all our accounts feature free card payments worldwide with no foreign transaction fees”
- n26.com/en-eu/imprint checked September 29, 2026
Backs: Deposit protection, Headquarters, Legal entity, Regulators, Licences
“Voltairestrasse 8, 10179 Berlin”
- n26.com/en-eu/mastercard checked September 29, 2026
Backs: Card type, Card network
“All N26 bank cards are Mastercard debit cards”
- n26.com/en-eu/pricing checked September 29, 2026
Backs: Annual fee, Features, Rewards type
“Standard The free plan for your everyday banking needs. Free”
- n26.com/en-eu/savings-account checked September 29, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type
“Deposit and withdraw any amount, whenever you want”
- support.n26.com/en-eu/getting-started/other/how-to-contac... checked September 29, 2026
Backs: Support channels
“Chat with us ... Call us (Premium accounts only)”
Compiled from 8 source pages, checked September 29, 2026. We did not open an account.
Not confirmed yet: Term.