N26 Review

Comprehensive review and analysis of N26's digital banking services

Quick Facts

Founded: 2013
Head Office: Germany
Active Customers: 8+ million
Total Funding: $900 million
Employees: 1500+
App Store Rating: 4.6/5

Pros & Cons

Pros

Beautiful app interface
Real-time notifications
Sub-accounts (Spaces)
Free basic account
No foreign transaction fees
Travel insurance on premium plans

Cons

Limited availability outside EU
Cash deposit limitations
ATM withdrawal limits
No credit products in some markets

Supported Countries

Germany
France
Italy
Spain
Austria
Other EU countries

Fees

Standard Account Free
N26 Smart €4.90/month
N26 You €9.90/month
N26 Metal €16.90/month
ATM Withdrawals 5 free withdrawals/month (Standard), then €2

Overview

N26 launched in 2013 as one of Europe’s first digital-only banks. Known for its sleek design and user-friendly interface, it has grown to serve millions of customers across Europe with its modern approach to banking.

Key Highlights

Design Excellence: Award-winning app interface
European Leader: Strong presence across EU
Innovation Focus: Cutting-edge banking features
Premium Services: Comprehensive insurance packages
Digital First: Full-featured mobile banking
Strong Growth: Expanding service offerings

Market Position

Leading European digital bank
Strong presence in major EU markets
Focus on premium customer experience
Innovation in mobile banking

Key Features

Digital Banking

Full-featured current account
Physical and virtual Mastercard
Real-time notifications
Instant payments
Mobile payments
Statistical insights

Spaces (Sub-accounts)

Multiple sub-accounts
Shared spaces
Savings goals
Rule-based automation
Instant transfers
Budget tracking

Premium Features

Travel insurance
Purchase protection
Mobile phone insurance
Extended warranty
Premium partner offers
Exclusive metal card

Security Features

3D Secure
Biometric authentication
Push notifications
Card locking
PIN management
Transaction limits