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N26 app and debit card review

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Skip visits to the bank and control your money from an app.’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





Minimum deposit to open


Fee$0 per month
Minimum deposit to open$0
ATMsFee-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 fee2%
Nonsufficient funds fee$0

Expert review

Charlie Barton

Review by

Charlie Barton is a publisher at Finder. He specialises in banking and investments products, including banking apps, current accounts, share-dealing platforms and stocks and shares ISAs. Charlie has a first-class degree from the London School of Economics, and in his spare time enjoys long walks on the beach.

Expert review

N26 is best for those who like to manage and budget their funds. It goes beyond checking accounts as it also provides budgeting tools. Account holders are able to create subaccounts for their saving needs and view statistics based on their spending habits.

N26 was recently released to the U.S. in July 2019, so there aren’t many customer reviews at the moment.

What is N26?

N26 is a digital bank headquartered in Germany. It offers fully digital checking accounts that are controlled from within an app — and without any branches — and customers can access their money with a contactless debit card.

N26 is already operating in Ireland, France, Germany, Italy, Spain, Austria, Belgium and a wide range of other European countries, and it launched in the US in July 2019.

Video: Alex Weber, head of international markets, on why N26 is different – December 2018

Is N26 safe?

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.

Pros and cons of N26


N26 has app-based, so you control your accounts from your smartphone. Unique features include:

  • Large ATM network. Use your N26 debit card for free at over 55,000 AllPoint ATMs worldwide.
  • In-app security. Set and change daily spend/withdrawal limits, reset your PIN, lock or unlock your card and enable or disable online or foreign payments.
  • Budgeting. Get automatic breakdowns of your purchases by category and put your money into sub-accounts so you don’t accidentally spend it.
  • Early direct deposits. Receive direct deposits up to two days in advance with N26.
  • Perks. Earn cashback when you use your N26 debit card for subscription services like, Lime, Headspace, Babbel, Curology, Headout and more.


Although N26 has some unique perks, there are a few drawbacks to watch out for, including no bank branches:

  • No interest. This account doesn’t earn any interest, so it’s not ideal for those who need a savings account.
  • Limited product selection. Currently N26 only offers a checking account for US customers, so you won’t find any savings accounts here.
  • Limited ATM reimbursements. N26 reimburses up to two non-network ATM fees a month. But several banks offer unlimited reimbursements. Expect to pay $2 for non-network ATM withdrawals over the monthly limit
  • Surcharge for foreign currency withdrawals. Expect to pay a 2% fee when you withdraw money at a foreign ATM.

If you prefer a traditional checking account, you’ll want to keep looking. As always, compare your options when looking for a checking account.

Compare with other digital banks

Name Product Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
55,000 free in-network ATMs
Deposits are fossil fuel-free. A spend and save combo account with unlimited cash back rewards and deposits insured by the FDIC.
SoFi Money
SoFi Money® is a cash management account that charges no account fees to save, spend, and earn cash back rewards when you spend on brands you love.
Chime Spending account
38,000 fee-free ATMs nationwide
Get rid of fees with this mobile-first bank offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.
Digit analyzes your spending and automatically saves an appropriate amount every day so you don't have to think about it.
32,000 fee-free ATMs nationwide
A checking account designed for freelancers with no account fees and no minimum balance.
Any ATM that accepts Visa
Earn up to 1.5% cash back on qualifying debit card purchases and 0.50% APY on deposits.
Fee-free ATM withdrawals at Allpoint ATMs
A digital bank account with no hidden fees, no minimum account balance and no maintenance charges.

Compare up to 4 providers

How does N26 compare to the competition?

Frequently asked questions

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Checking account ratings

★★★★★ — 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.

Read the full methodology of how we rate checking accounts.

Image source: supplied, photographer: N26

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