N26 Smart
A plan byN26 · Mastercard
N26 is a fully licensed bank, with a German BaFin licence and a European IBAN, offering 0% FX markup and — in some markets — access to over 400 cryptocurrencies. Crypto is not its main focus, however, and the service is closed in markets such as the UK, the US and Brazil.
Smart
- Price
- €5
- atm_fee_pct
- 1.7%
- atm_limit
- 3–5 prelievi gratis/mese (in base al piano), poi 1,7%
What's included
- 10 Spaces
- Coloured card
- Insights
- Round-ups
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · DE · DE |
| Deposit guarantee | EU guarantee €100,000 |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | Yes |
| SEPA direct debit (SDD) | Yes |
| On-chain crypto withdrawal | No |
| Card included | Carta Mastercard inclusa |
| Network | Mastercard |
| ATM withdrawal | 1.7% |
| Free ATM limit | 3–5 free withdrawals/month (plan-based), then 1.7% |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 24+ countries |
| Regulator | BaFin |
| OAM Italy registration | Yes |
| Segment | B2C |
| Funding / solidity | 8M+ users · €9B valuation · BaFin-licensed bank |
| MiCA / License status | Licenza bancaria (BaFin) DE banking licence (BaFin) |
Strengths
- A real bank with a BaFin licence and €100k deposit guarantee
- 0% FX markup
- Dedicated European IBAN with direct debits and third-party transfers
Weaknesses
- Crypto is not the main focus and spot offering is limited
- Service closed in the UK, US and Brazil
- Single-currency account (EUR only)
Verdict
N26 is a fully licensed bank, with a German BaFin licence and a European IBAN, offering 0% FX markup and — in some markets — access to over 400 cryptocurrencies. Crypto is not its main focus, however, and the service is closed in markets such as the UK, the US and Brazil.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
FAQ
Is N26 a real bank?
Yes: it operates under a German banking licence issued by BaFin and deposits are guaranteed up to €100,000.
Can I buy crypto with N26?
In some markets N26 offers access to over 400 cryptos, but it is not the core service and availability varies by country.
Sources
- Official service page Data verified on Jun 1, 2026
- Verified source Data verified on Jun 13, 2026
Update history
- Entry rebuilt from the v2 canonical dataset (manually verified record).