N26 is a German neobank offering mobile banking across Europe, known for its clean UX and transparent fee structure.
N26 maintains solid customer satisfaction at 4.3/5 across 224k ratings, though sentiment has deteriorated sharply: the NeoBase index dropped to 56.5/100 (-33.4 week-over-week), signalling notable erosion despite steady review ratings. Recent coverage centres on operational strength - record 2025 profitability, Wero payment rollout - yet the sharp index decline suggests media or analyst sentiment has shifted negatively, diverging from customer-facing stability.
Sentiment index
our score ยท updated every monthRatings across platforms
โ 3.8 ยท 218K ยท 3Where N26 operates
29 marketsRating distribution
All platformsRating & review volume over time
Brand sentiment trend
positive sentiment, by platformWhere N26's money came from and went
FY2025Show the figures as a table
| Line item | Direction | Amount |
|---|---|---|
| Revenue | Income and profit kept | โฌ501.6m |
| Total inflows | โฌ501.6m | |
| Cost of revenue | Costs and tax | โฌ151.1m |
| Operating and other costs (incl. tax) | Costs and tax | โฌ348.9m |
| Net profit | Kept | โฌ1.6m |
Source: FY2025 results announcement ยท figures in millions, rounded ยท Compare with other fintechs
App screenshots
Google Play
In the media
brand coveragewww.statista.com ยท 1mo ago
N26, the German challenger bank, has experienced significant asset growth from 2016 to 2025.
N26 CFO Arnd Schwierholz to Step Down Following Record 2025 Profitability
ffnews.com ยท 2mo ago
N26 CFO transition: Arnd Schwierholz to step down after leading the bank to its first profitable year. Discover how N26 plans its next...
N26 Rolls Out Wero for Instant Transfers Across Germany and France
fintechnews.ch ยท 2mo ago
N26 launches Wero in Germany and France, letting customers send instant payments using a phone number or email address.
N26 embeds EPI's Wero in Germany and France
www.fintechfutures.com ยท 2mo ago
German neobank N26 has gone live with the European Payments Initiative's (EPI) Wero to improve payments connectivity for customers in...
European Digital Bank N26 Introduces Wero For Instant Payments In Germany, France
www.crowdfundinsider.com ยท 2mo ago
European digital bank N26 has rolled out support for Wero, the pan-European instant payment system, inside its mobile app.
Latest from social
LinkedIn & FacebookWhat people are saying
mentions on X, Reddit & FacebookAbout N26
N26 was founded in 2013 by Valentin Stalf and Maximilian Tayenthal in Vienna, later moving to Berlin. One of the first European fintechs to obtain a full banking licence directly from the ECB.
Frequently asked questions
Does N26 hold a full banking licence?
Yes, N26 Bank GmbH holds a full banking licence from BaFin (Germany). Deposits are protected by the German DGS up to โฌ100,000 โ the same protection as Deutsche Bank or Commerzbank.
In which countries does N26 operate?
N26 is available in 24 EU/EEA countries. It withdrew from the UK (2020) and the USA (2022). It is fully operational in Germany, France, Spain, Italy, Austria and across most of the EU.
What plans does N26 offer?
N26 offers: Standard (free), Smart (โฌ4.90/mo), You (โฌ9.90/mo) and Metal (โฌ16.90/mo). You and Metal add travel insurance and higher ATM limits abroad. A physical card on the Standard plan costs โฌ10.
Does N26 offer a savings account?
Yes, N26 Savings is an interest-bearing account at a variable rate โ check the current rate at n26.com. Funds transfer instantly between accounts with no fees or minimum hold period.
How does N26 customer support work?
N26 offers in-app chat in DE/EN/FR/ES/IT. Phone support is only available on You/Metal plans. Standard plan users rely solely on chat. N26 has been criticised for slow response times when accounts are frozen.
Compare N26 with similar neobanks
Ratings & sentiment aggregated from Trustpilot, Google Play and App Store - anonymised store metrics only, no individual reviews.
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