N26: must-have smart bank in Europe !

N26 Bank is

  • mobile bank account optimised for smartphone.
  • free !
  • with free debit MasterCard
  • stylish and lots more

This is the must-have bank account if you live in Europe. I’m going to explain why.

European Bank

N26 Bank  is a German startup based in Berlin. Although it is a German bank account, but if you are a resident in European countries, you can open an account.

UK, Austria, Belgium, Finland, France, Estonia, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxemburg, Netherlands, Portugal, Slovakia, Slovenia, Spain, Switzerland, Sweden, Norway, Denmark, Iceland, Liechtenstein and U.S.A.

If you have bank account in Europe, you can transfer money inside of Europe for free, it means you can do business in European countries. N26 offers also business account for free.  It’s also optimal  for self-employed and nomadic workers.

Smartphone Bank

N26 is a bank designed for smartphone !   With your smartphone you can

  • check your actual balance and get realtime notification
  • transfer money
  • control your expense and income with statistics
  • expenses are automatically categorised depend on where you paid
  • change card limit and lock your card by smartphone app
  • use also with desktop browser.

To enjoy these function you must have following device and OS.

  • iPhone 4S and later (minimum iOS version 9)
  • Android phones with Android 4.4 or later

cheap international money transfer

N26 has partnered with TransferWise, so that you can transfer money much cheaper than traditional banks with no exchange fee and transparent price.

N26 is a startup

N26 is expanding their services to

– Credit
– Overdraft
– Insurance
– Invest
– Saving account with interest

and all works just with your smartphone.


It’s basically free!

  • free account
  • free MasterCard
  • free Mastercard payments worldwide, in any currency

but be careful at

– free in Italy and Austria
– 5 free ATM withdrawals in other countries
– in Germany, unlimited free cash withdrawals from CASH26 network
– free Mastercard ATM withdrawals outside Germany in EUR
– Foreign currency ATM withdrawals:  1,7% of withdrawal

– Deposit cash at retail stores with CASH26 €100 free / month
– 1,5% fee on deposits after the first €100 / month

Pricing details UK  Germany  France  Austria  Spain  Italy   Rest of Europe

Open an Account

It’s easy and quick to open an account. They say it takes only 8 minutes!


  • at least 18 years of age
  • resident in supported European countries
  • compatible smartphone and phone number
  • passport or ID card
  • email and postal address


  • apply online
  • install the app on your phone
  • verification through video chat with the app
  • pair your smartphone

and ready to go! You will get MasterCard in a few days.