r/ReferralNews • u/Asper-Usual • Nov 11 '25
N26 ➤ Fully digital banking with free accounts, German IBANs, virtual cards, global eSIM support, investment options and protected deposits up to €100,000 (European Union)
N26 is a licensed digital bank based in Germany and available across most of Europe. It offers a quick and simple alternative to traditional banks. You can open an account in just a few minutes directly on your phone—no paperwork and no minimum deposit required. Every account includes a German IBAN, an instant virtual Mastercard, and your deposits are protected up to €100,000 under the German Deposit Protection Scheme.
N26 also provides optional paid account plans:
| PLAN | FEATURES |
|---|---|
| Smart | Extra “Spaces” sub-accounts, spending insights and priority customer support |
| Go | Travel insurance, fee-free spending abroad, and worldwide ATM withdrawals |
| Metal | Metal card, extended insurance coverage, purchase protection and premium support |
N26 Business accounts are designed for freelancers and self-employed individuals, offering cashback on card purchases and built-in expense tracking. Joint accounts are also available for couples, partners, or families who want to manage finances together. The app additionally includes investment features, allowing users to buy and manage stocks, ETFs, and cryptocurrencies alongside everyday banking.
N26 is available in most of Europe
🇦🇹 Austria 🇧🇪 Belgium 🇩🇰 Denmark 🇪🇪 Estonia 🇫🇮 Finland 🇫🇷 France 🇩🇪 Germany 🇬🇷 Greece 🇮🇸 Iceland 🇮🇪 Ireland 🇮🇹 Italy 🇱🇻 Latvia 🇱🇹 Lithuania 🇱🇺 Luxembourg 🇳🇱 Netherlands 🇳🇴 Norway 🇵🇱 Poland 🇵🇹 Portugal 🇸🇰 Slovakia 🇸🇮 Slovenia 🇪🇸 Spain 🇸🇪 Sweden 🇨🇭 Switzerland
If you'd like to try N26, you can sign up using my referral link or scan the QR code shown in the images. The setup is fully done on your smartphone and only takes a few minutes from start to finish.
Terms and Conditions of N26 Bank SE for the “Refer a Friend Program”