Bank Account (Girokonto)
N26 Review (2026)
Best for: Tech-savvy expats who want full English mobile banking with no monthly fees
Setup fee
€0.00
Monthly fee
Free
Setup time
Open account in 8 minutes via app with video verification
Languages
EN, DE, FR, ES, IT
Mobile app
Yes (4.6/5)
Key Features
- 100% mobile banking — no branch visits ever
- Free Standard account with Mastercard debit
- Open account in 8 minutes with just your passport
- Full English interface and customer support
- 3-5 free ATM withdrawals/month (Standard)
- Real-time push notifications for every transaction
- Spaces (sub-accounts) for budgeting
- No SCHUFA required for Basiskonto
Limitations
- No branches — everything is app-based
- Cash deposits only via CASH26 partner stores (limited, €1.50 fee)
- International transfers via Wise integration (extra fees)
- Chat-only support — no phone support on free tier
- Some landlords prefer traditional German banks for Mietkaution
Pricing Plans
N26 Standard
Free
- €0/month — completely free
- Mastercard debit card
- 3 free ATM withdrawals/month in EUR zone
- Apple/Google Pay
- Spaces sub-accounts (2 free)
N26 Smart
€4.90/month
€58.80/year
- Everything in Standard
- 5 free ATM withdrawals/month
- 10 Spaces sub-accounts
- Round-up savings rules
- Priority phone support
N26 You
€9.90/month
€118.80/year
- Everything in Smart
- Unlimited free ATM worldwide
- Travel insurance included
- 0% foreign exchange fee
- Exclusive card colors
Eligibility
Who can use N26?
| Requirement | Status | Notes |
|---|---|---|
| nationality: non eu | Accepted | Open to all nationalities with valid ID/passport |
| nationality: eu citizen | Accepted | EU citizens accepted |
| visa type: student visa | Accepted | — |
| visa type: language course visa | Accepted | — |
| visa type: job seeker visa | Accepted | — |
| language: no german required | Accepted | Full English interface |
| credit check: schufa not required | Accepted | Basiskonto available without SCHUFA |
About N26
N26 is Europe's leading mobile bank, built for the smartphone generation. Fully English banking experience, no branch visits needed, and account opening from your phone in minutes. The go-to choice for expats and internationals in Germany.
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