N26

N26 is a German-licensed mobile-first neobank headquartered in Berlin that is widely used by expats and younger customers in Austria for its EUR IBAN, English-first app, and EU-wide transfers.

N26 operates in the Fintech Apps in Austria segment.

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Compare:Wise Revolut Finny

N26: Core Facts

Entity Type: Neobank (full banking licence)
Legal Name: N26 Bank AG
Founded: 2013 (as Number26)
Headquarters: Voltairestrasse 8, 10179 Berlin, Germany
Customers: 8+ million across the EU(as of 2026-04)
IBAN Issued: German IBAN (DE) accepted for Austrian payroll and SEPA
Products: Current account, Mastercard debit, joint spaces, savings, basic investing
App Languages: English, German, and more
Deposit Protection: EUR 100,000 German deposit guarantee scheme
Regulator: BaFin and Deutsche Bundesbank
Country: Germany (passported into Austria)
Status: Active Definition
Verified: 2026-04-24

N26: Plans & Prices

Plan / product	Price	Details
N26 Standard	EUR 0	Free virtual Mastercard debit(as of 2026-06)
N26 Smart	EUR 4.90/month	Sub-accounts (Spaces), support(as of 2026-06)
N26 You	EUR 9.90/month	Travel insurance, no FX fee(as of 2026-06)
N26 Metal	EUR 16.90/month	Metal card, premium insurance, no FX fee(as of 2026-06)

Prices from N26. Verify current pricing on the provider site before buying.

How N26 compares

N26 is NOT the same as Revolut, Wise, or Bunq, which are separately licensed EU fintechs. N26 operates under a full German banking licence from BaFin and Deutsche Bundesbank, while Revolut uses a Lithuanian banking licence and Wise is an e-money institution. It is also distinct from its earlier brand Number26 (pre-2016 rebrand).

N26: Frequently Asked Questions

What is N26?

N26 is a German-licensed neobank headquartered in Berlin and popular with expats and digital-first users in Austria. N26 offers a mobile-first current account with Mastercard debit, savings spaces, and EU-wide SEPA transfers.

Is N26 accepted as an Austrian bank account?

N26 issues a German IBAN (DE) that is accepted for salary, rent, and authority payments across the EU, including Austria. Austrian employers and the Finanzamt accept N26's DE IBAN under SEPA equal-treatment rules, although a few local utilities still prefer AT IBANs.

Is N26 safe?

N26 holds a full German banking licence supervised by BaFin and Deutsche Bundesbank. N26 customer deposits are protected up to EUR 100,000 by the German deposit guarantee scheme.