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finder.com’s rating: 4.5 / 5.0
★★★★★
N26 is a digital bank that launched its first checking account in the US in July 2019. It has unique perks like a cashback debit card and money management tools. But it doesn’t earn interest and ATM reimbursements are limited.
$0 per month
Fee
N/A
APY
$0
Minimum deposit to open
APY | N/A |
---|---|
Fee | $0 per month |
Minimum deposit to open | $0 |
ATMs | Fee-free ATM withdrawals at Allpoint ATMs |
ATM transaction fee | $2 |
ATM fee rebates | $0 fee on first 2 ATM withdrawals |
Out-of-network ATM fee | $0 |
Foreign transaction fee | 2% |
Nonsufficient funds fee | $0 |
Review by
Cassidy Horton is a writer for Finder, specializing in banking and investments. She has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. Cassidy enjoys educating people about financial services, exploring the Pacific Northwest and watching endless reruns of The Office.
But the account doesn’t earn any interest and you only get two refunds a month for non-network ATMs.
Open an N26 account online using these steps:
Open an N26 account in the US when you meet these requirements:
You’ll need this information when you open your account:
We gathered a quick comparison of similar accounts to help you decide if N26 is right for you. For more options, select “Compare accounts” to compare even more accounts for your spending needs.
N26
★★★★★
Go to site |
---|
Fee $0 per month |
APY N/A |
Minimum deposit to open $0 |
ATM network Fee-free ATM withdrawals at Allpoint ATMs |
Aspiration Spend & Save Account
★★★★★
Go to site |
---|
Fee From $0 per month |
APY
1.00% on balances of $0 to $10,000 but you’ll need to be enrolled in Aspiration Plus and make at least $1,000 in debit card purchases a month
|
Minimum deposit to open $10 |
ATM network 55,000 free in-network ATMs |
Digit
★★★★★
Go to site |
---|
Fee $5 per month |
APY 0.10% on balances of $0+ When you save for three consecutive months, your account is rewarded with a 0.10% annualized savings bonus. |
Minimum deposit to open $0 |
ATM network Varies based on connected bank accounts |
Compare even more checking accounts
The app itself has a three-tier security procedure protecting your account and transactions. Your account can only be paired to one smartphone at a time, you must log in to your account using your password or fingerprint, and you must verify all online and offline transactions with your PIN.
N26 also offers a Bug Bounty program that offers cash rewards to encourage security researchers to track down bugs or vulnerabilities and it is FDIC-insured through its partner bank, Axos Bank.Although N26 has some unique perks, there are a few drawbacks to watch out for, including no bank branches:
If you prefer a traditional checking account, you’ll want to keep looking. As always, compare your options when looking for a checking account.
N26 uses the AllPoint ATM network, which gives you have free access to over 55,000 ATMs worldwide. You’ll get reimbursed for two non-network ATM fees a month. But you’ll pay $2 for non-network withdrawals over this limit.
There are seven ways to access money in your N26 account.
Yes, N26 is safe. Funds held in your account are FDIC insured through Axos Bank. N26 uses bank-grade encryption to protect your sensitive information and you can use app features like discrete mode, instant notifications, biometric login and more to secure your account.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.
Image source: supplied, photographer: N26