Yes, N26 is a regulated financial service.

Featured

Neobanks Series C

N26

Q: What are the main features of N26?

Spaces sub-accounts for goal-based saving, MoneyBeam instant peer-to-peer money transfers, Wise-powered international transfers to 35+ countries, Stock and ETF trading from €1, Crypto trading with 400+ supported coins

Q: What are the pros of using N26?

Fee-free standard current account, Licensed bank, not EMI, Seamless in-app investing and crypto, ECB-linked Instant Savings interest rates

Q: What are the cons of N26?

No physical branch access, Limited ATM free withdrawals, Not available outside Europe

Europe's Mobile-First Licensed Neobank for Smarter Banking

Available in 8 countries Last verified: Feb 2026

Open N26 ↗

Founded

2013

Users

8,000,000+

Total Funding

$1,720M

Employees

1,500–1,800

🏢 Company Overview

Headquarters

Berlin, Germany

CEO

Mike Dargan (designated, effective April 2026)

Founder

Valentin Stalf, Maximilian Tayenthal

Funding Stage

Series C

Total Funding

$1,720M

Users

8,000,000+

Pricing

freemium

AML Compliant GDPR PCI DSS Banking License E-Money License Payment License Yes

ℹ️ About N26

N26 is a Berlin-based neobank holding a full European banking license from BaFin since 2016, serving over 8 million customers across 25 markets.

The mobile-first platform provides free current accounts with Mastercard debit cards, Spaces sub-accounts for goal-based saving, Instant Savings with ECB-linked interest rates, stock and ETF trading from €1, crypto access to 400+ coins, and international transfers powered by Wise.

Premium tiers — N26 Smart, Go, and Metal — unlock travel insurance, airport lounge access, and foreign cashback. Funds are protected up to €100,000 under the German Deposit Guarantee Scheme.

⚡ Key Features

Spaces sub-accounts for goal-based saving

MoneyBeam instant peer-to-peer money transfers

Wise-powered international transfers to 35+ countries

Stock and ETF trading from €1

Crypto trading with 400+ supported coins

Real-time push notifications on all transactions

💪 Strengths & Weaknesses

4 Pros 3 Cons

💪

Strengths

What it does well

Fee-free standard current account

Licensed bank, not EMI

Seamless in-app investing and crypto

ECB-linked Instant Savings interest rates

⚠️

Weaknesses

Areas to improve

No physical branch access

Limited ATM free withdrawals

Not available outside Europe

💬 User Reviews(1)

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Laura B. Verified

Nov 19, 2025

Sleek European neobank

N26 has the cleanest banking app I've ever used. The Spaces feature for saving goals is brilliant. Works great across Europe. Would be perfect with a few more features.