N26 Smart: get more control on your bank account 

If you are worried about your spending and want to purchase your dream but can’t find out how to control your spending, then the N26 Smart Account is for you. This N26 Smart Card is specially designed to focus on giving you a clear picture of your spending.

  • The intelligent money management feature of this account will help you find your spending in each category so that you can make the right decision on how to control your spending and increase your savings.
  • You will get up to 10 space sub-accounts when you sign up for N26 Smart. With just a few taps, you can transfer money to your space. You can manage funds together in your space, such as for household expenses between housemates or an upcoming group trip with friends.
  • As this account focuses more on saving, the N26 Smart Personal account doesn’t offer you free ATM withdrawals abroad. But you will get five free ATM withdrawals in the Eurozone.
  • If you open an N26 Smart Business account, you will get cashback on every payment you make with the card.
  • The N26 Smart comes with statistics for an AI-driven overview of your business expenses. You’ll also enjoy free ATM withdrawals, free payments in any currency worldwide, and access to exclusive partner offers if you are using an N26 Smart Business account.

Sometimes saving will not be enough to reach your goal faster. N26 offers investment in crypto and some amazing insurance, like electronics insurance. This electronic insurance will protect your laptop, tablet, smartphone, and smartwatch from theft, malfunctions, liquid damage, and accidental damage. N26 Insurance is also adding bike, home, and pet insurance to their coverage very soon.




An N26 Smart bank account costs €4.90 per month, and the subscriptions are yearly. You can open your N26 Smart account within a minute by visiting their website or using their mobile app, which is available for both iOS and Android. You can open an N26 Smart personal account if you meet the following criteria:

  • At least 18 years old;
  • Residents of the following countries: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, The Netherlands, Norway, Portugal, Poland, Spain, Slovakia, Slovenia, and Sweden;
  • Having a smartphone;
  • Don’t have an N26 account.

The N26 Business Smart bank account is designed for freelancers and for those who are self-employed. As N26 Smart Business provides some extra facilities, there are some changes in requirements if you want to open an N26 Smart Business account. Those are:

  • Enrolled in a freelance profession;
  • This account can be used for the business purposes only.

You are eligible to open an N26 Smart account if you meet those criteria. But you need to provide a supported ID document, applicable to the country you’re resident in.


About the bank 

The N26 Bank was founded in 2013 by Valentin Stalf and Maximilian Tayenthal. The headquarters are in Berlin, Germany. In the vision of managing money simply and transparently.

N26 launched Europe’s first mobile bank accounts in 2015. In 2016, N26 got a full banking license and expanded to 17 more countries. Each customer’s funds up to €100,000 are protected by the German Deposit Protection Scheme. By 2018, it had 2 million customers across 24 countries and was awarded as the No. 1 startup to work for in Germany by LinkedIn.

N26 became Germany’s highest-valued fintech with a $900+ million series e-funding round and a $9+ billion valuation in 2021. In 2022, N26 celebrated 8 million customers and launched N26 Crypto. Currently, N26 has over 8 million registered users in 24 countries. 

Who is this card for

Reading the whole article, we already know that the N26 Smart account is mainly designed for those who want to save money and get a clear picture of their spending. This particular account will be best suited for those who belong to middle-class families, are working to manage their livelihoods, or are students. Check out other N26 cards (Standard, YouMetal).

Step by step to apply for the N26 Smart Card

Opening an N26 Smart account is very easy. It doesn’t cost you more than 10 minutes to open an account. If you meet the criteria that are discussed above, you are eligible. Simply visit the N26 Bank website to register, or register by downloading the N26 app onto a compatible smartphone. 

The N26 app is available for both Android and iOS. Give an email address and identity, submit personal information, a home address, and tax information, and create a password. After verification, your account will be ready to use within a few minutes. 

To verify yourself, the N26 supported languages are English, German, Spanish, Italian, or French. 


Positive and negative sides of N26 Smart Card

Reading the whole content, at this point we know how much benefit N26 Smart will provide. But some negative sides can be improved. So, let’s discuss both the positive and negative sides.

As discussed above, the benefits you will get from a N26 Smart Card are:

  • It will cost only €4.90 per month;
  • Intelligent money management tool;
  • Get all the services using the app;
  • 10 spaces sub-accounts;
  • 5 free ATM withdrawals in the Eurozone;
  • Extra virtual card for free.

Besides those, all the services are available in their mobile app. You never need to visit the bank, and no paperwork is needed. This is a great advantage because you can do all your banking activities on your mobile whenever you want.

The negative sides or things that should be improved are:

  • No free withdrawal abroad;
  • Transfers in foreign currencies aren’t possible.

Comparing the pros and cons, it is clear that the N26 Smart Card has more benefits.

Rates and fees

An N26 Smart Card costs €4.90 per month and is a 1-year subscription.

Contact details

Office: Kurfürstenstraße 72, 10787, Berlin, Germany. More Details

Phone: +44 2035 107126 or +49 303 6428 6881

Email: [email protected]

Web Support:

Support Chat:


Social Media: Facebook, Twitter. Linkedin, Instagram


N26 Smart is a digital bank account that offers you banking through a smartphone by downloading their app. You can also log in to their website to get the services. Login is restricted by 2-factor authentication so that you can be confident in your account security. 

If you are someone who earns money and manages their daily livelihood, N26 Smart will be the best option for you. You will have a clear picture of your spending in each category with the money management tool of the N26 Smart Card. It will help you have better control over your spending.

Not just that, 10 space sub accounts will help you save together with your friends or family for upcoming trips or maybe for house rent.