Recognized as a leading mobile-first bank in **Europe**, [N26](https://tr.ee/N26) operates in 20+ countries. The app is built for simplicity and transparency, offering a smooth user experience without the hidden costs often associated with traditional banks. The **basic N26 account** is **free**, with zero setup or maintenance fees. Premium options include **N26 Smart**, **N26 Go**, and **N26 Metal**. No deposit or minimum income is required to open an account.

**N26 operates in most European countries**  
🇦🇹 Austria 🇧🇪 Belgium 🇩🇰 Denmark 🇪🇪 Estonia 🇫🇮 Finland 🇫🇷 France 🇩🇪 Germany 🇬🇷 Greece 🇮🇸 Iceland 🇮🇪 Ireland 🇮🇹 Italy 🇱🇻 Latvia 🇱🇹 Lithuania 🇱🇺 Luxembourg 🇳🇱 Netherlands 🇳🇴 Norway 🇵🇱 Poland 🇵🇹 Portugal 🇸🇰 Slovakia 🇸🇮 Slovenia 🇪🇸 Spain 🇸🇪 Sweden 🇨🇭 Switzerland

**Freelancers** and the **self-employed** will appreciate N26’s **business accounts**, which include cashback perks on card purchases. For students and everyday users, features like **instant transfers**, **real-time spending alerts**, and **“Spaces”**(separate sub-accounts for saving or budgeting) add extra convenience. A **shared account option** also makes it easy for two people to manage their finances together.

On top of standard banking, N26 also offers **integrated investing**, so you can trade **stocks** and **ETFs directly within the app**. This means both your daily money management and investments can live in one streamlined platform.

Signing up is straightforward, and you can do it entirely from your phone in just a few minutes. By [joining through my referral link](https://tr.ee/N26), you will be able to open your account and then start inviting your own contacts to **earn referral bonuses**.

N26 ➤ A complete banking solution with current, savings, joint and freelancer accounts—plus stock market access! (European Union)