N26

What is N26?

N26 is a European neobank that operates primarily through a mobile app. The product documentation describes it as a "mobile-first" current account. Its core features include spending insights, which categorise transactions, and the ability to create sub-accounts within the main account. N26 also offers paid premium plans that add travel benefits and interest on savings.

Who is N26 for?

N26 is aimed at individuals who prefer to manage their banking entirely from a smartphone. It suits users who want built-in budgeting tools and the option to separate money into sub-accounts for specific savings goals. The premium tiers add travel cashback and savings interest, making the app more relevant for frequent travellers and savers who maintain balances in their account.

How much does N26 cost?

N26 uses a freemium pricing model. The EU pricing page (as of July 2026) lists four personal plans with monthly fees in euros:

• Standard – Free
• Smart – EUR 4.90 per month
• Go – EUR 9.90 per month, includes 1% cashback on travel purchases
• Metal – EUR 16.90 per month, includes 1.5% annual interest on savings

All plan prices are quoted in euros on N26's official pricing page. The free Standard plan provides basic account functions without a monthly fee.