N26: fees, terms and reviews 2026
In October 2026 N26's Standard account is free, and N26 offers accounts to people living in Finland through its EU website. On the Standard account you get 2 free euro ATM withdrawals per month, after which a withdrawal costs €2, and a physical card costs €10. Deposits are covered by the German deposit guarantee up to €100,000.
N26 prices and terms
| Cheapest package | Standard |
|---|---|
| Monthly fee of the package | €0.00 |
| Included in the package | Account and virtual debit card |
| Total base price / month | €0.00 |
| Bank card | N26 Mastercard debit (virtual) |
|---|---|
| Separate card fee | Included in the package |
| Card notes | One-off cost: physical card €10 on the Standard account. The first virtual card is free; physical card on the Standard account €10 one-off fee. |
| Free ATM withdrawals in Finland | not available |
|---|---|
| Withdrawal fee after the free ones | not available |
| Currency conversion markup on card payments | 0.00% |
|---|---|
| ATM withdrawal abroad | Outside the euro area 1.7% |
| Child's account | No |
|---|---|
| Minimum age of the child's account | not available |
| Monthly fee of the child's account | not available |
| Monthly fee for students | not available |
| Current account interest rate | not available |
|---|---|
| Savings account interest rate | not available |
| Type | Digital bank |
|---|---|
| Home country | Germany |
| Opening an account online with Finnish bank credentials | not available |
| Opening an account without a Finnish personal identity code | not available |
| Deposit guarantee | German deposit guarantee, €100,000 per depositor; N26 holds a German BaFin banking licence |
|---|
| EPSI customer satisfaction | not available |
|---|---|
| Data checked | 15 October 2026 |
| Package | Price / month | Includes | Additional information |
|---|---|---|---|
| Smart | €4.90 | Standard's services, a free physical card and Spaces sub-accounts | 3 free euro withdrawals per month. |
| Go | €9.90 | Smart's services, free withdrawals outside the euro area and travel insurance | 5 free euro withdrawals per month. |
All packages
In October 2026 N26 offers 4 packages on sale. The price is for an adult package with one card, taken from the bank's own price list. Compare the packages of all banks on the bank packages comparison page.
| Package | Age | € / month | Card | Free withdrawals | Currency markup | Extras | Terms |
|---|---|---|---|---|---|---|---|
| Standardadult | from 18 yrs | €0.00 | N26 Mastercard debit (virtual) | 2 per month, then €2.00 | 0.00% | Instant Savings interest 0.25% (price page) / 0.30% (footnote, from 11.6.2025), lounge visit €33. | |
| |||||||
| Smartadult | from 18 yrs | €4.90 | N26 Mastercard debit | 3 per month, then €2.00 | 0.00% | Instant Savings interest 0.25% (price page), lounge visit €33. | |
| |||||||
| Goadult | from 18 yrs | €9.90 | N26 Mastercard debit | 5 per month, then €2.00 | 0.00% | Travel insurance (including medical expenses up to €1 million, luggage up to €2,000, trip cancellation up to €10,000), 1% cashback on travel (promotion, up to 12 months outside the EEA), Instant Savings interest 0.55% (price page), 3 free share trades/month, travel eSIM. | |
| |||||||
| Metalpremium | from 18 yrs | €16.90 | N26 Metal Mastercard debit | 8 per month, then €2.00 | 0.00% | Instant Savings interest 1.5%, travel insurance, phone insurance up to €2,000, purchase protection up to €2,500 per claim, first lounge visit of the year free (then €30), 1% cashback on travel (promotion), 10 free share trades/month. | |
| |||||||
Premium accounts and cards: N26 Smart, N26 Go, N26 Metal. See also premium accounts and cards compared.
Usage limits
| Purchase limit, maximum | €30,000 / day |
|---|---|
| Purchase limit, monthly | €80,000 / month |
| Withdrawal limit, maximum | €1,000 / day |
| Instant payment limit, default | €10,000 |
|---|
Changing the limits: In the N26 app: select the card > Limits. The change takes effect immediately.
Only the values published by the bank are listed. Checked 16 October 2026. Read about bank card limits: withdrawal limit, contactless limit, instant payment limit and blocking a card.
Reviews: ratings of N26
Public ratings from three sources, retrieved . The figures are third-party ratings that Pankkitutka has neither checked nor edited. Review texts are not quoted. Read more: bank ratings and reviews compared.
| Source | Rating | Count | Link |
|---|---|---|---|
| Trustpilot | 4.2 / 5 | 43,219 reviews | n26.com on Trustpilot |
| App Store: N26 - Love your bank | 4.7 / 5 | 1,922 ratings | App in the App Store |
| Google Play: N26 - Love your bank | 4.2 / 5 | 163,358 ratings, all countries | App on Google Play |
- The Trustpilot rating is the company's global profile, not specific to Finland.
- The Google Play figures cover all countries, not only Finland. The App Store figures are from the Finnish store.
Based on the data
The pros and cons below are based on Pankkitutka's price data, not on the ratings.
Pros
- Pro: No monthly fee on the Standard account
- Pro: Card payments abroad with no currency conversion markup
- Pro: German deposit guarantee up to €100,000
Cons
- Con: Only 2 free ATM withdrawals per month, then €2
- Con: A physical card on the Standard account costs €10
- Con: No children's card in Finland and no service in Finnish
How do you open an account at N26?
N26 states that it offers accounts to residents of Finland; the account is opened in the app. N26 has no Finland-specific site (n26.com/en-fi does not load); the EU site is used. Opening without a Finnish personal identity code was not verified.
Thinking about switching banks? Read the guide to switching banks.
Deposit guarantee
German deposit guarantee, €100,000 per depositor; N26 holds a German BaFin banking licence. More information in the guide on the deposit guarantee.
Children and students
Child's account: According to N26, the N26 for under 18s card (for 7-17-year-olds) is available only in Germany, Belgium, the Netherlands, Slovakia and Austria, not in Finland.
Student: Student terms valid in Finland were not verified.
See also: children's bank card and best bank for students.
Interest rates
The Instant Savings interest rate is contradictory: according to N26's EU front page the Standard rate is 0.30% in Finland (from 11 June 2025), but on the price comparison page the Standard rate is 0.25%. The value has therefore been left empty.
Compare interest rates between banks: current and savings account interest rates. See the savings accounts and fixed-term deposits of N26: Savings rates.
Customer satisfaction (EPSI)
No EPSI result is available yet.
Compare N26 with others
Sources
- N26 EU: etusivu (palvelumaat, talletussuoja, Instant Savings)retrieved 15 October 2026
- N26: Compare plansretrieved 15 October 2026
- N26: Foreign transaction feesretrieved 15 October 2026
- N26 Support: How often can I withdraw cash for free?retrieved 15 October 2026
- N26: N26 for under 18sretrieved 15 October 2026
Data checked 15 October 2026.
Frequently asked questions
How much does N26 cost per month?
The cheapest adult package at N26 (Standard), including the card, costs €0.00 per month. The Standard account is free. A physical card costs €10 (one-off fee) on the Standard account. Smart €4.90/month includes a physical card.
Can you open an account at N26 without a Finnish personal identity code?
This information is not yet available.
How much does N26 charge for card payments abroad?
The currency conversion markup on card payments in currencies other than euros is 0.00%. ATM withdrawal abroad: Outside the euro area 1.7%.
What are the public ratings that N26 has received?
Public ratings 16 October 2026: Trustpilot 4.2 / 5 (43,219 reviews); App Store 4.7 / 5 (1,922 ratings); Google Play 4.2 / 5 (163,358 ratings, all countries). These figures are public ratings, not an assessment by Pankkitutka, and this answer does not summarise the opinions of individual users.