N26

N26 is a German neobank offering app-based current accounts and cards to customers in France, operating on a German banking licence and a German IBAN.

N26 operates in the French Banking segment.

Visit N26

Full guide: Best Banking Apps

Compare:Revolut

N26: Core Facts

Entity Type: Neobank (app-based)
Home country: Germany
Banking licence: German banking licence
IBAN: German IBAN (DE)
Headquarters: Berlin, Germany
Founded: 2013
Regulator: BaFin (Germany); deposit guarantee under German scheme
Deposit guarantee: Up to EUR 100,000 (German deposit guarantee scheme)
Note: Some French direct debits may reject a non-French (DE) IBAN
Status: Active Definition
Verified: 2026-06-23

What do users say about N26?

What users praise

Great app
Good for travel within the euro zone
Virtual cards
Built-in budgeting features
Insurance and premium perks on paid tiers

Where users see trade-offs

No notable criticisms surfaced.

How N26 compares

N26 is NOT a French bank and is NOT the same as Revolut or a French online bank like BoursoBank. N26 holds a German banking licence and issues a German IBAN (DE), though it serves French customers.

N26: Frequently Asked Questions

What is N26?

N26 is a German neobank offering app-based current accounts and cards to French customers, running on a German banking licence and a German IBAN.

Does N26 give a French IBAN?

N26 issues a German IBAN (DE) rather than a French one, so although N26 works in France, some French direct debits may occasionally reject a non-French IBAN.

Is my money safe with N26?

N26 holds a German banking licence supervised by BaFin, with deposits protected up to EUR 100,000 under the German deposit guarantee scheme.

Related Entities

Other entities covered on the Best Banking Apps page:

Revolut
French Banking

For a full practical guide, see our Best Banking Apps page.

Maintained by Jules (How to France). This page follows the Grounding Page Standard v1.5. Last verified: 2026-06-23.

N26