A Crypto-Friendly Banks

N26

N26 · Mastercard

N26 GmbH (holding) / N26 Bank AG (banca licenziata)

Status
Private company
Legal HQ
Berlino, Germania
Founded
2013
Corporate site
n26.com
Valuation
$9B · Oct 18, 2021
Latest round
Series E

Main investors / shareholders · as of Dec 31, 2025

Valentin Stalf & Maximilian Tayenthal (co-founders): 20.0% Other / undisclosed: 80.0%
  • Valentin Stalf & Maximilian Tayenthal (co-founders) · Insider / founders
    Quota combinata stimata; entrambi nel Supervisory Board dal 2025
    20.0%
  • Third Point Ventures · Venture capital
    Lead della Series E (2021)
    n/d
  • Coatue Management · Venture capital
    Co-lead Series E
    n/d
  • Dragoneer Investment Group · Venture capital
    Co-lead Series E
    n/d
  • Valar Ventures · Venture capital
    Investitore principale dalle prime fasi (Peter Thiel)
    n/d
  • Tencent · Strategic investor
    Investitore strategico dal Series C 2018 (~5-10% stimato)
    n/d
  • Allianz X · Strategic investor
    Co-lead Series C 2018 (~5-10% stimato)
    n/d
  • GIC (Singapore SWF) · Institutional holder
    Fondo sovrano Singapore
    n/d
  • Insight Partners · Venture capital
    Investitore Series D
    n/d
  • Greyhound Capital · Venture capital
    Investitore Series C/D
    n/d
  • Peter Thiel · Angel investor
    Angel investor diretto
    n/d

N26 GmbH is the holding that controls N26 Bank AG, the BaFin-licensed bank. Private, $1.72B raised across 11 rounds; Series E valuation (Oct 2021) was $9B post-money. Founders gave up operational control but remain among the largest shareholders.
4.1/5 · Data verified on

N26 is a German neobank with a full banking licence (BaFin) and a European IBAN. The base plan is free, with no FX markup; it is not a crypto-native product but remains a reference for an everyday fiat account.

Estimated net annual cost €0/year
Free
Account fee
EU guarantee €100,000
Deposit guarantee
1.7%
ATM withdrawal
Mastercard
Network
80
Transparency: High
80/100 · see methodology

Data & conditions

Account fee Free
IBAN dedicato · DE
Deposit guarantee EU guarantee €100,000
Multi-currency No
Card included Mastercard Debit
Network Mastercard
ATM withdrawal 1.7%
Free ATM limit 3–5 prelievi/mese gratis (per piano)
Fund custody Custodial (platform holds funds)
KYC Full
Supported countries EEA · 24+ countries
Funding / solidityBanca licenziata BaFin, 8M+ utenti
MiCA / License status BaFinEU-Banking Licenza bancaria DE (BaFin)

Strengths

  • Full banking licence and European IBAN
  • Free base plan
  • No FX markup

Weaknesses

  • No cashback
  • Not a crypto-native product

Verdict

A ★ 4.1/5 Estimated net annual cost: €0/year

N26 is a German neobank with a full banking licence (BaFin) and a European IBAN. The base plan is free, with no FX markup; it is not a crypto-native product but remains a reference for an everyday fiat account.

Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.

Sources

Update history

✓ Terms unchanged since Jun 1, 2026

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