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Financial apps › N26
N26
Financial apps

N26

★★★★★ Rate this bank

A modern bank account straight from the app

N26 is a mobile bank headquartered in Berlin offering a personal account with a Mastercard, real-time notifications and plans with travel insurance. Available throughout the European Union with a fully digital sign-up process.

App Store Google Play See plans ↓
Financial apps
N26 Standard Free
Multi-currency PLN
Apple Pay ✓
Google Pay ✓

All plans

N26 Standard

Free

Free bank account with a Mastercard.

  • Free account and Mastercard
  • Real-time transaction notifications
  • Free payments abroad
  • Open an account in 8 minutes
Multi-currency
Open account

N26 Smart

4,90 €/mo.

Enhanced plan with budgeting tools and shared accounts.

  • 10 sub-accounts for budget management
  • Spending statistics and categorisation
  • Shared account for couples (Shared Spaces)
  • More free ATM withdrawals
Multi-currency
Open account
RECOMMENDED

N26 You

~42 zł (9,90 EUR)/mo.

Premium plan with travel insurance and electronics protection.

  • Travel insurance for you and your partner
  • Electronics protection
  • International health insurance
  • Unlimited ATM withdrawals in euros
Multi-currency
Open account

N26 Metal

16,90 €/mo.

Top-tier plan with a metal card, cashback and VIP support.

  • Metal card (18g)
  • Cashback with selected partners
  • Concierge and VIP service
  • Extended travel insurance
Cashback Multi-currency
Open account

Plan comparison

Feature
N26 Standard
N26 Smart
N26 You Recommended
N26 Metal
Monthly fee
Free
~21 PLN (€4.90)
~42 PLN (€9.90)
~72 PLN (€16.90)
Free ATM withdrawals
3/month (Eurozone)
5/month (Eurozone)
Unlimited (Eurozone)
Unlimited (global)
Cashback
None
None
None
0.5% with partners
Travel insurance
None
None
Full
Full Premium
Sub-accounts (Spaces)
2 sub-accounts
10 sub-accounts
15 sub-accounts
15 sub-accounts
Customer support
Chat
Priority chat
Chat + phone
Dedicated line

Frequently asked questions

How to open an N26 account? ＋
An N26 account is opened via the mobile app or n26.com. An identity document is required (video verification). The entire process takes a few minutes. N26 issues a Mastercard that arrives by post within a few business days.
Is N26 safe for Polish customers? ＋
Yes, N26 holds a full banking licence (German Federal Financial Supervisory Authority, BaFin) and EU customers' funds are protected up to EUR 100,000 through the European deposit guarantee scheme. N26 GmbH operates under European banking supervision.
What plans does N26 offer? ＋
N26 offers several plans: N26 Standard (free), N26 Smart (approx. EUR 4.90/month), N26 You (approx. EUR 9.90/month), and N26 Metal (approx. EUR 16.90/month). Higher plans offer more free international ATM withdrawals, travel cashback, and additional insurance.
Does N26 offer PLN accounts? ＋
N26 offers accounts denominated in EUR (DE IBAN) in Poland. The card works in PLN in Poland but transactions are converted at the Mastercard rate. For everyday spending in Poland it is worth having a plan with cashback to offset potential exchange rate differences.
What is N26 customer service like? ＋
N26 has no phone helpline — support is via in-app chat and email. Response time depends on the plan (Metal gets priority). In Poland, N26 serves customers in Polish via chat. There are no physical branches.