N26 is an excellent banking option for just about any international traveler. They go by the sayings: The world at your fingertips and a bank as mobile as you are. N26 is one of the first and fastest growing mobile banks, with a free checking account that is in no way inferior to traditional banks, but much easier and managed directly from your mobile phone.
They’ve become very popular within these few years and currently have over 2.5 million customers worldwide.
We’ve combined all the features and offerings of a traditional bank into a single, simple online banking app. Basically, N26 is a bank account for your mobile phone. But it’s your MasterCard, credit provider, investment portfolio, savings plan, insurance provider, and more. When you open an account with us, you bring all these possibilities into your pocket.
N26 is a completely paperless checking account without real bank branches. You register and open your account directly from your phone. After that, you will receive your new IBAN and Mastercard Debit Card in less than a week by mail.
Once you activate your card and charge your account, you can shop online and offline and withdraw money from any ATM that accepts Mastercard. You will receive a push notification as soon as everything is set up. They have applied this simplicity to all N26 products (Invest, Credit, Savings, Insurance, and Overdraft). All this is possible directly within the N26 mobile app. If you also encounter difficulties, their customer service is there for you via phone, chat or e-mail. And for security, please never worry.
Since N26 is a mobile bank that does not require physical branches, you can definitely open an account from the USA. But, on the N26 US website, they said “coming soon” since I last checked the day this article was published. Also according to them, you can sign up to get early access when they become fully operational in the USA. So YES, you surely can open an account from the United States.
N26 is an online bank and does not have any physical branches. It is used completely via mobile app – including Google Pay. With the free N26 bank app, you can quickly create an account, verify yourself via video chat and receive your MasterCard by mail. With the account, you can pay worldwide without any fees, use the payment service Apple Pay or withdraw money from any ATM available.
This is the step by step approach to opening an N26 mobile Bank account:
- Download the N26 Bank App from the App Store or the Play Store or just click here to get started.
- Enter your e-mail address, password, PIN and your personal information.
- Choose between Basic, Business and Black Premium bank accounts.
- Verify your identity via a short video call (you only need your identity card for this). With the verification, you can find more details here.
- Finally, your mobile number will be verified.
After a few days, you will receive the matching MasterCard, which is linked to your N26 bank account. Since the card comes without an overdraft, you always have access only to the money that you actually have in the account.
In the app, you can do all important banking transactions comfortably. As usual, you use bank transfers or send money via MoneyBeam to a mobile phone number or e-mail address, PayPal, etc. Meanwhile, you can keep track of your credit in real time. Practical: Using any number of sub-accounts, you can organize your finances even easier.
Adding funds to your Account
You can actually start using your N26 mobile bank account right away, even before you receive your Mastercard in the mail. To do that, you simply need to add some money to your account.
There are many ways of doing so, including:
- Asking your employer to deposit your salary into your account
- Transferring money from your current bank account into your new N26 account (hint: if you don’t have a Euro account, use Transferwise for the cheapest possible transfer)
- If you’re in Germany, you can deposit cash at one of the many CASH26 locations
There’s no limit to the amount of money you can add to your account. It’s a real bank account. And the first €100,000 of your balance is protected by the German Deposit Protection Scheme.
While you don’t need to do so to activate your account, I recommend transferring at least a small amount of money to your N26 account right away, so you can start using your card as soon as you receive it in the mail. And you can always transfer the money out of the account again at a later date, without any limits or costs, if you change your mind.
Becoming an N26 bank Affiliate Partner is easy and convenient if you have a blog or website.
Details about the affiliate program:
- 30 days cookie lifetime
- Publisher-Commission: CPO
- 90 days for “first-load.”
Follow the steps below to join the program.
- Simply create a free account on their affiliate platform HasOffers.
- Contact them on HasOffers or via [email protected] and receive your personalized affiliate partnership offer.
- They will send you their fact sheet & creatives so you can publish quality content and earn money for every acquired user!
If you don’t have a blog or website, you can still earn money with them provided you have a working N26 bank account. You can start inviting friends as soon as you have access to your account using the N26 app or on the web. Log in to the app or your bank account on the web, and select the present icon (on iOS) or from the Account settings menu (on Android). Tap on your referral code to copy it or select Tell a friend and send it to them using one of the available options.
You can open your N26 bank account even in your swimsuit while lying on the beach, as long as you have an internet connection and your ID.
N26 is the right and important step towards personal banking as we move ever further towards Mobile First World.