Austrian-German fintech and online bank

Key Data

  • Trading Name: N26 
  • Legal Entity: N26 GmbH
  • Activities: Neobank
  • Location: Berlin, Germany
  • Regulations: authorized by the Bafin
  • Key People:Valentin Stalf (Linkedin) and Maximilian Tayenthal (Linkedin)

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 may 2023 N26 has launched an Instant Savings account in Spain, offering customers a competitive 2.26% yield with no minimum deposit or fees. This comes amid challenges for the company, including Allianz selling its stake at a discount and staff cuts. N26 has refocused on Europe after exiting the U.S. market. Savings accounts are seen as a crucial battleground between neobanks and traditional financial institutions.


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).


Fees N26 operates on a freemium model with no withdrawal fees, monthly fees, or credit card fees for the basic subscription. The neobank is regulated by BaFin and boasts over 7 million clients.


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

Newsfeed: N26


N26 is rated as “GREEN” in compliance, signifying a positive assessment. The neobank adheres to regulatory standards, offers a range of services without charging excessive fees, and has demonstrated stability and growth, positioning it favorably within the financial services landscape.

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