About N26

N26 is Europe's leading mobile bank with a full German banking license, trusted by millions of customers across 24 European markets. As a fully digital bank, N26 offers simple, secure, and customer-friendly mobile banking through a beautifully designed app that puts complete financial control at your fingertips.

When you join through this referral link, you'll gain access to innovative banking features, free account management, and become part of the mobile banking revolution that's transforming how people manage their money.

Your Benefits

Free Mobile Banking

No Account Fees - N26 Standard account with zero monthly fees
Instant Virtual Card - Start spending immediately with your digital Mastercard
Free ATM Withdrawals - Monthly free withdrawals at Eurozone ATMs
Real-time Notifications - Instant alerts for all transactions and spending

Premium Banking Features

100% Mobile Experience - Complete banking from your smartphone
Instant Transfers - Send money in seconds with MoneyBeam
Spaces Sub-accounts - Organize your money with up to 10 dedicated savings goals
Spending Insights - Automatic transaction categorization and budgeting tools

Security & Protection

German Bank License - Fully regulated by BaFin since 2016
Deposit Protection - Funds protected up to €100,000 by German Deposit Protection Scheme
Advanced Security - 3D Secure, biometric authentication, and real-time card controls
24/7 Support - Customer service available 7 days a week in multiple languages

How N26 Works

Account Opening Process

Quick Registration - Open your account in minutes using your smartphone
Identity Verification - Verify your identity securely through the app
Instant Access - Get your virtual Mastercard immediately
Physical Card - Optional transparent physical card delivery
Start Banking - Begin managing your finances with full mobile control

Key Features

MoneyBeam - Send money instantly to contacts with fun GIFs
Split the Bill - Easily divide expenses with friends and family
Shared Spaces - Collaborate on savings goals with up to 10 people
Apple Pay & Google Pay - Contactless payments from your phone
International Transfers - Send money to 35+ countries via Wise integration

Banking Plans

N26 Standard (Free)

Monthly Fee - €0
Virtual Card - Included
ATM Withdrawals - 5 free per month in Eurozone
Customer Support - 24/7 chat support
Spaces - 2 sub-accounts for savings goals

Premium Options

N26 Smart - Enhanced features with 10 Spaces and budgeting tools
N26 You - Travel benefits and insurance coverage
N26 Metal - Ultimate premium with 2.5% savings interest and steel card

Get Started

Click the Referral Link Use the link above to access N26 with referral tracking
Download the App Get the N26 app from App Store or Google Play
Create Your Account Complete registration with your personal details and phone number
Verify Your Identity Use the secure in-app verification process
Receive Your Virtual Card Start using your digital Mastercard immediately
Make Your First Transaction Use your card for any purchase to activate all features

Why Choose N26

Innovation Leadership

N26 processes over €140 billion in transactions annually and has revolutionized banking with features like real-time spending insights, instant money transfers, and collaborative financial management through Shared Spaces.

European Reach

Available in 24 European markets with multilingual support in German, English, French, Italian, and Spanish, making it ideal for international users and frequent travelers.

Sustainable Banking

As a certified B Corporation equivalent, N26 focuses on sustainable business practices and social responsibility while delivering cutting-edge financial technology.

Additional Services

Savings & Investment

Instant Savings - Earn up to 4% annual interest with N26 Metal
Stock & ETF Trading - Commission-free trading with 15 free trades monthly
Cryptocurrency - Buy and sell crypto directly in the app
Automated Savings - Round-up purchases to build savings automatically

Credit Solutions

Overdraft Protection - Up to €10,000 instant approval in Germany/Austria
Installment Plans - Split past purchases into manageable payments
Personal Loans - Quick approval process with no paperwork

International Features

Multi-currency Support - Hold and exchange multiple currencies
Travel Insurance - Comprehensive coverage with premium plans
Global ATM Access - Withdraw cash worldwide with competitive rates
International Transfers - Send money globally through Wise integration

Referral Program Details

How It Works

When you join N26 through this referral link and make your first card transaction over €25, the person who referred you receives a €25 bonus. This creates a win-win situation where you get access to premium banking services while helping someone earn a reward.

Referral Benefits

No Expiration - Referral links remain active indefinitely
Multiple Referrals - Referrers can earn up to €1,500 total
Quick Processing - Bonuses paid within 60 days of qualifying transaction
Transparent Tracking - Real-time status updates in the app

Important Terms

Account Requirements

To open an N26 account, you must be at least 18 years old, reside in a supported European country, have a valid identity document, and own a compatible smartphone for app-based banking.

Transaction Conditions

The referral bonus is triggered when the new customer makes their first card payment exceeding €25. This can be an in-store purchase or online payment, but excludes PayPal transactions.

Geographic Availability

N26 services are available in 24 European countries including Germany, France, Italy, Spain, Austria, and others. Full banking features may vary by country based on local regulations.

Customer Support

N26 provides 24/7 customer support through in-app chat, with human agents available daily from 07:00-23:00 CET. Support is available in German, English, French, Italian, and Spanish.

N26 Referral Code & Link