Number26
Mobile banking software
Financial services software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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€4.90 per month
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What is Number26
Number26 (commonly known as N26) is a mobile-first retail banking product that provides checking account functionality through a smartphone app. It targets consumers who want digital account opening, card-based spending, and day-to-day money management without relying on branch banking. The product typically includes features such as account management, payments/transfers, card controls, and spending insights, with availability and feature sets varying by country and regulatory entity.
Mobile-first account experience
The product centers on a smartphone app for core banking tasks such as balance monitoring, transfers, and card management. This design supports self-service onboarding and day-to-day account administration without branch interactions. For users comparing digital banking options, the app-led workflow is a practical differentiator versus platforms that primarily serve institutions rather than end customers.
Card controls and security features
N26 commonly provides in-app controls for payment cards, such as freezing/unfreezing, managing limits, and viewing transactions. These controls help users respond quickly to suspected fraud or lost cards. The approach aligns with modern mobile banking expectations where security actions are handled directly in the app.
Consumer money management tools
The product typically includes spending categorization and basic insights to help users understand transaction patterns. These tools support everyday budgeting use cases without requiring a separate personal finance application. Compared with data-aggregation-focused products in the space, this functionality is embedded directly into the banking experience.
Geography and eligibility constraints
Availability depends on the customer’s country of residence and the specific regulated entity serving that market. Features, pricing, and supported payment rails can vary by region. This can limit suitability for multinational users or organizations seeking consistent capabilities across countries.
Not a bank platform
Number26/N26 is primarily an end-user banking product rather than a configurable core banking or digital banking platform for financial institutions. Organizations looking to build or embed banking capabilities typically require separate infrastructure, APIs, or vendor platforms. As a result, it is not a direct fit for institution-side implementation projects.
Limited enterprise integration options
As a consumer banking app, it generally does not emphasize deep integrations for enterprise workflows (e.g., custom data pipelines, extensive admin controls, or institution-grade configuration). Integration needs for businesses—such as advanced reconciliation, multi-entity controls, or bespoke reporting—may require additional tools. This can be a constraint compared with products designed specifically for bank/fintech back-office or platform use cases.
Plan & Pricing
Personal plans (EU - official N26 plans):
| Plan | Price | Key features & notes |
|---|---|---|
| Standard | Free | Free virtual debit card; 2 free ATM withdrawals in euros; basic account features. |
| Smart | €4.90 per month | Everything in Standard + free physical debit card; up to 10 Spaces sub-accounts; budgeting automations. |
| Go | €9.90 per month | Everything in Smart + free ATM withdrawals outside the eurozone; 1% travel cashback; travel insurance. |
| Metal | €16.90 per month | Everything in Go + metal debit card; 2% annual interest on savings; mobile phone insurance and purchase protection; airport lounge benefits. |
Business (freelancer) plans (official N26 Business pages):
| Plan | Price | Key features & notes |
|---|---|---|
| Business Standard | Free | 0.1% cashback on card payments; free virtual debit card; 2 free ATM withdrawals in euros. |
| Business Smart | €4.90 per month | Everything in Business Standard + free physical debit card; up to 10 Spaces; budgeting automations; 0.1% cashback. |
| Business Go | €9.90 per month | Everything in Business Smart + free ATM withdrawals outside the eurozone; 1% travel cashback; travel insurance. |
| Business Metal | €16.90 per month | Everything in Business Go + 0.5% cashback on card payments; 2% annual interest on savings; mobile phone insurance; metal debit card. |
Seller details
N26 GmbH
Berlin, Germany
2013
Private
https://n26.com
https://x.com/n26
https://www.linkedin.com/company/n26/
