N26 eWallet: The Comprehensive Guide to Digital Banking with N26

N26 is a digital banking platform that focuses on simplicity, flexibility, and convenience. The N26 eWallet has emerged as a popular choice for consumers seeking an alternative to traditional banking. In this comprehensive guide, we'll explore features, benefits, and integrations of the digital wallet, providing you with a thorough understanding of how it works and why it's become a go-to option for some.

The Brief History of N26

N26 was founded in 2013 by Valentin Stalf and Maximilian Tayenthal, with the mission to disrupt traditional banking and create a more user-centric financial experience. Initially launched in Germany, N26 quickly expanded its services across Europe and later to the United States. Today, the digital bank serves millions of customers in various countries, providing a seamless eWallet experience that caters to the evolving needs of the modern consumer.

Opening an N26 Account

To open an N26 account, you must first download the N26 app on your smartphone. The account creation process is simple and requires only a few minutes. You will need to provide your personal information, including your name, date of birth, address, and a valid ID. Once your identity is verified, you can access the full suite of features and services offered by the N26 eWallet.

Global Availability

So far, N26 is available for folks in Europe, including Germany, Spain, Italy, in United States and Brazil. Check the official page for updates as new regions are added, as the app gains more and more popularity. 

Account Types

N26 offers various account types to cater to the diverse needs of its customers. For the latest updates on plans, check out the official N26 page. These include:

N26 Standard

A basic, free account with essential banking features such as money transfers, mobile payments, and a virtual Mastercard.

N26 Smart 

A premium account with additional benefits, such as a physical Mastercard, free ATM withdrawals, and access to Spaces, N26's sub-account feature for better financial organization.

N26 You

A higher-tier account with added perks like travel insurance, exclusive partner discounts, and free ATM withdrawals worldwide.

N26 Metal

The highest-tier account with premium benefits such as a metal Mastercard, extensive insurance coverage, dedicated customer support, and exclusive Metal Experiences.

N26 Premium Metal Card

Mastercard and Maestro Card

N26 offers its customers different card options, including the N26 Mastercard and Maestro card. These cards provide users with a secure and convenient way to access and manage their funds, whether they are making transactions in person or online.

N26 Mastercard 

The N26 Mastercard is a debit card linked to your N26 account, allowing you to make purchases and withdraw cash from ATMs worldwide. The card is accepted in millions of locations, both online and in physical stores. The N26 Mastercard comes with various features, such as real-time transaction notifications, instant card freeze/unfreeze, and customizable spending limits. Additionally, the card offers security features like 3D Secure for online transactions, ensuring that your financial information is protected. N26 also provides free ATM withdrawals in your account's currency, adding convenience for travelers or those living in different countries.

N26 Maestro Card

The N26 Maestro card is an additional debit card option available to customers in some regions, particularly in European countries where the Maestro card network is widely accepted. Like with Mastercard, the Maestro card allows users to make purchases and withdraw cash from ATMs. However, this card operates on a different payment network and may be accepted in places where Mastercard is not. The N26 Maestro card also offers similar security features and account management options as the N26 Mastercard, ensuring a secure and convenient banking experience.

By offering both the Mastercard and Maestro card, N26 caters to the diverse needs of its customers. These cards enable users to enjoy the benefits of a digital bank while still accessing traditional banking services such as in-person transactions and ATM withdrawals.

Mobile App and User-Friendly Interface

The N26 mobile app is designed for ease of use, with a clean and intuitive interface that simplifies banking tasks. Users can quickly check their account balance, review transactions, send money, and manage their settings. The app also offers several features to help users manage their finances effectively, such as real-time transaction notifications, spending categorization, and monthly spending reports.

Money Transfers and Payments

N26 eWallet enables users to send money to friends & family that also have an N26 account instantly and free of charge through its MoneyBeam feature. SEPA transfers, and international transfers are also available via Wise (formerly TransferWise), as well as recurring payments for bills and subscriptions. N26 supports Apple PayGoogle Pay, and contactless payments with its physical Mastercard, making it easy to pay for goods and services in-store and online.

Saving and Budgeting Tools

N26 offers a range of tools to help users save and budget their money more effectively:

N26 Spaces

A sub-account feature that allows customers to create separate spaces for different savings goals or budgets. N26 Spaces, a premium feature, allows you to generate up to 10 sub-accounts in addition to your primary account. Each space comes with a unique IBAN, enabling you to transfer funds to and from your sub-accounts quickly and conveniently. This feature is an efficient and adaptable method of setting aside funds.


Automatically rounds up transaction amounts to the nearest euro and transfers the difference to a designated Space. This process occurs automatically, making it a hassle-free way to set money aside with each transaction.

Saving Rules

Users can set custom rules to automate transfers between their main account and Spaces based on their preferences and financial goals.

N26 Saving Rule

N26 recommends employing the 50/30/20 rule, which involves allocating your funds among your essential expenses, discretionary spending, and savings goals in a balanced manner. This simple approach can help you manage your finances effectively.

The rule recommends allocating 50% of your income towards your essential expenses, 30% towards your discretionary spending, and the remaining 20% towards your savings goals or outstanding debts. By following this rule, you can better take care of your finances and keep your spending in check. 

Actually, N26 provides a guide on how to implement this savings rule using their app: check it out on Rule 50 30 20 official page.


Withdraw Cash Without ATM

N26 offers a feature called Cash26, which allows usersto deposit and withdraw cash at numerous retail locations, making it easier than ever to access cash without the need for a traditional ATM.

Cash26 is designed to simplify the process of managing cash. By partnering with a vast network of retail stores, N26 enables its customers to deposit and withdraw money at participating locations, such as supermarkets and convenience stores. This feature is especially beneficial for those who live in areas with limited access to ATMs or prefer not to rely solely on electronic transactions.

Connect through Barcode

To use Cash26, you simply need to generate a barcode within your N26 app, which can be scanned at the cashier of a participating store. The cashier will then handle your cash transaction, either depositing or dispensing the desired amount. This process is quick, secure, and eliminates the need to search for an ATM or bank branch.

N26 Invest

N26 Invest presents three options allowing investments in a mix of both stock and bond markets. The Prudent plan consists of a 40% allocation to stocks and a 60% allocation to bonds. The Even plan allocates 60% to stocks and 40% to bonds, while the Daring plan has an 80% stock allocation and a 20% bond allocation.

Asset Allocation: stock, bonds, commodities

Security Features

N26 takes security seriously and employs several measures to protect user accounts and data. These include biometric authentication, two-factor authentication, and transaction confirmation through push notifications. Users can also temporarily lock their card or set spending limits through the app to prevent unauthorized transactions.

Exciting Third-Party Integrations

N26 has integrated with various third-party services to provide users with a comprehensive financial ecosystem:

PSD2 - Secure Open Banking with Token.io

What is PSD2? Payment Services Directive 2 (PSD2) is an updated European directive that enables you to access your account information and initiate payments through regulated third-party providers in a safe and secure manner. This means that you can grant permission to regulated Third Party Providers (TPPs) to access your account information via a dedicated interface:

Account Information Services (AIS)

You can authorize an AIS to collect data from your various bank accounts, allowing you to aggregate and manage their details in one place through certified third-party providers.

Payment Initiation Services (PIS)

You can securely make payments at the checkout of any website offering PIS, streamlining the online payment process.

The data exchange between your account and these services is managed securely by Token.io. This partnership ensures that your sensitive financial information remains protected while you enjoy the convenience and flexibility of open banking provided by PSD2.

Raisin Integration 

On December 19th, 2022, N26 customers were notified through email and Secure Inbox that the collaboration with Raisin (Weltsparen), the partner for EasyFlex Savings products came to an end. Customers were given the choice to either continue managing their funds directly via the Raisin platform or opt to close their EasyFlex Savings account.

Money Beam

N26 offers a convenient feature called MoneyBeam, which allows users to instantly transfer funds to other N26 customers without the need for complicated account numbers or routing information. By simply using the recipient's email address or phone number, you can send money securely and quickly to friends, family, or colleagues who also have N26 accounts. This feature is perfect for splitting bills, paying your share of a group expense, or sending a quick cash gift. 

N26 Crypto Powered by Bitpanda GmbH.

Bitpanda is a Germany-based financial services provider specializing in trading, custody, management, and protection of cryptocurrency assets. With a diverse selection of nearly 200 cryptocurrencies available on the platform, Bitpanda is an excellent partner to bring the world of crypto to its customers.

The integration of Bitpanda into the N26 app allows users to effortlessly buy, sell, and manage their cryptocurrency investments alongside their traditional banking activities. This simplifies the process of diversifying their investment portfolio with Bitcoin & other digital assets, reducing the need for multiple platforms to manage their finances.

Additionally, N26 users can benefit from Bitpanda's robust security measures and the platform's intuitive interface, making it easier for both novice and experienced investors to navigate the world of digital currencies. Learn more through the official N26 Cryptocurrency page

Mobile Crypto Trading

Bizum Integration 

Another great integration is with Bizum, a widely used mobile payment service in Spain, allowing N26 users to send and receive money instantly through their N26 app.

What’s Bizum

Bizum is a convenient and secure platform that enables money transfers directly between bank accounts using just a phone number, without the need for sharing account details. This service has gained significant traction in Spain, with millions of participants and a vast network of partner banks.

Bizum for Customers in Spain

By integrating with Bizum, N26 has expanded its payment options for customers in Spain, providing them with a popular and accessible method for sending and receiving money. N26 users can now link their account to Bizum directly within the N26 app and start using the service immediately.

How To Bizum

To use Bizum with N26, you simply need to activate the service within your N26 app and verify your phone number. Once activated, you can send money to friends, family, or colleagues who also use Bizum, regardless of the bank they are with, by just entering the recipient's phone number.

N26 Third-Party Payment Providers Integration

N26 aims to provide a seamless banking experience by integrating with popular payment platforms like Apple Pay, Google Pay, and Wise.

N26 and Apple Pay

N26 customers using iOS devices can link their N26 accounts with Apple Pay, offering a fast, secure, and convenient way to make contactless payments. By adding your N26 card to the Apple Wallet, you can make purchases at stores, online, and within apps using your iPhone or Apple Watch. This integration ensures you can enjoy the benefits of Apple's secure and handy payment system.

N26 and Google Pay

Android users can also take advantage of a seamless payment experience by linking their N26 accounts with Google Pay. Once connected, you can make contactless payments with your smartphone at participating retailers and use Google Pay for in-app and online purchases.

This integration brings the convenience and security of Google's payment platform to N26 customers on Android devices.

N26 and Wise (formerly TransferWise)

International money transfers can be costly and complicated, but N26's integration with Wise simplifies the process. N26 users can access Wise's services directly within the N26 app, enabling them to send money abroad at lower fees and real exchange rates. This partnership allows fast & efficient international transfers, saving time and money.

All these integrations make everyday transactions more straightforward and efficient, helping a diverse userbase throughout the world.

Customer Support

N26 offers customer support through its in-app chat feature, email, and phone. There is also a comprehensive Help Center with detailed articles and FAQs to assist with common questions and issues. N26's dedicated support team is available in multiple languages, ensuring that users receive timely and efficient assistance.

Should you encounter any issues or have inquiries, our N26 Customer Support team is readily available to assist you in English, French, German, Spanish, and Italian. Feel free to contact them through email or engage in a chat with an N26 specialist directly within your app.

N26 for Businesses and Freelancers

N26 recognizes the unique needs of businesses & freelancers and offers specialized accounts to cater to these requirements. N26 Business and N26 Business Smart accounts come with additional features, such as cashback on purchases, invoicing tools, and the ability to connect with popular accounting software like Xero and QuickBooks.

N26 and Online Gaming and Casinos

Online casinos have become a popular form of entertainment for many people, offering a wide range of games, such as slots, poker, blackjack, and roulette. Lately, N26's eWallet has become an appealing option for online gaming and casino enthusiasts.

The seamless integration with popular payment gateways like Apple Pay, Wise and Google Pay, as well as the ability to make quick and secure transactions make it a convenient choice for funding gaming accounts. Additionally, the spending analysis and budgeting tools provided by N26 can help players manage their gaming expenses responsibly.

Here's a quick look at why you might consider using N26 as a payment method at online casinos. 

Real-Time Notifications

N26 offers real-time notifications for transactions, allowing you to monitor your spending and stay informed about your account activity. This feature is particularly useful for online casino players, as it helps them keep track of their deposits, withdrawals, and overall spending on gambling activities.

Currency Conversion

As an international digital bank, N26 supports multiple currencies, making it an ideal payment method for online casino players who spend their time and money on international platforms. This means that you can make deposits and withdrawals in your local currency, avoiding the need for currency conversion fees.

Mobile Compatibility

N26 is designed for mobile banking, with a user-friendly app that allows you to manage your finances on the go. This feature is especially beneficial for online casino players who prefer to have fun on their smartphones or tablets, as they can easily access their N26 account and make transactions directly from their mobile devices.

However, it is essential to note that not all online gaming websites accept N26 as a payment method. It's crucial to verify the available payment options on your chosen online casino before creating an account. Additionally, always ensure that you're playing on a reputable and licensed platform to guarantee a secure and fair gaming experience.

Future Developments and Expansion

As N26 continues to grow and innovate, it's expected that the digital bank will introduce new features and services to enhance the overall user experience further. Areas of potential development include expanding the range of supported fiat currencies and digital assets, integrating with more third-party platforms, and offering additional financial products like loans and credit cards.


The N26 eWallet is a comprehensive digital banking solution that offers a broad array of features and benefits to cater to the diverse needs of modern consumers. Its user-friendly interface, innovative saving and budgeting tools, plus seamless integration with third-party services make it a compelling choice for those seeking an alternative to traditional banking. As N26 continues to evolve and expand its offerings, this digital bank will likely remain a popular choice for individuals and businesses alike.

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