Austrian-German fintech and online bank

N26 is a German fintech headquartered in Berlin, Germany. The company was founded in 2013 by Austrians Valentin Stalf (Linkedin) and Maximilian Tayenthal (Linkedin) in a Rocket Internet Incubator.

N26 is available for both individuals and businesses and includes 4 levels (free and paid).

With N26, you can set up direct debits, split bills, save money and keep track of your spending.

Their virtual card can be used to make online purchases, and the physical card can be used to withdraw money from ATMs around the world.

For Business you can get also additional cards, add team members to manage the account, and create subspaces to save up for taxes.

N26 works well as a salary account which is connected easily to a virtual Mastercard and Apple Pay or Google Pay to start spending straight away.

The bank’s app (Android & Apple) allows you to:

  • Lock your card if it gets lost or stolen
  • Reset your PIN
  • Modify daily limits
  • Enable/disable online or foreign payments
  • Customize card permissions
  • Log-in through fingerprint verification
  • Enable push-notifications to track your transactions


In December 2022, Payback’s bonus program kicked the German Neobank out of its program; no reasons were given.

In October 2022, the bank announced that it will offer crypto trading to its users in cooperation with the Austrian crypto exchange Bitpanda (P42 profile).


N26 is free with the basic subscription.
There are no withdrawal fees, no monthly fees, no credit card fees.

N26 is regulated as a bank by the German BaFin. It has more than 7 million clients.

Newsfeed: N26

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