N26

N26 is a fully mobile neobank that bundles everyday banking, savings, and investing into one smartphone app — no branches, no paper forms, no waiting. Accounts open in minutes with a German IBAN, a contactless debit card, and real-time push notifications, while instant savings, fee-free stock and ETF trading, and crypto access sit behind the same login.

Built natively for mobile, the N26 app covers joint accounts, sub-accounts (Spaces), personal loans from €1,000–€50,000, travel insurance, and airport lounge access on premium tiers. Instant Savings rates track the ECB deposit rate, and cashback plus favourable FX make N26 a travel-friendly everyday account.

Key benefits:

• Mobile-first banking with account opening and KYC fully in-app
• Instant Savings with ECB-linked interest and no lock-up period
• Stock and ETF trading commission-free directly inside the banking app
• Crypto access to 400+ coins without leaving the N26 interface
• Spaces and joint accounts for shared budgets and savings goals
• Travel perks including cashback, lounge access, and travel insurance

N26 is headquartered in Berlin, Germany, founded in 2013, and operates on a full German banking licence regulated by BaFin. Deposits are protected up to €100,000 under the German Deposit Protection Scheme, making it a sovereign European alternative to US-owned neobanks like Chime.