Overview

Fully licensed German bank. Free IBAN. Paid plans add insurance and FX waivers.

Who Is It For?

EU-based nomads wanting deposit protection and SEPA payments.

ATM Withdrawals

3 free ATM/mo Eurozone. Paid plans waive FX fee.

Bonuses & Perks

N26 You (€9.90/mo) and Metal (€16.90/mo) include comprehensive travel insurance: trip cancellation, medical abroad, luggage delay, and flight delay compensation. Metal adds dedicated customer support and partner offers (WeWork, Lime). Sub-accounts ('Spaces') help organize savings for different goals. Full SEPA instant transfers supported.

Limitations

1.7% FX on free plan. EU/EEA only. Limited support.