N26 Smart
€4.90 / month
Standard fee: €4.90 / month
€47.00 / year
Discount applied in case of annual advance payment choice.
€26.50 / 6 months
Discount applied in case of semi-annual advance payment choice.
Fees and discounts
Select a fee only if all its conditions apply; discounts do not stack.
€47.00 / year Conditional
Discount applied in case of annual advance payment choice.
All of these conditions
Promotional conditions for annual fee debit
Early withdrawal results in the disapplication of promotional conditions and the refund calculated on standard monthly fees.
€26.50 / 6 months Conditional
Discount applied in case of semi-annual advance payment choice.
All of these conditions
Promotional conditions for semi-annual fee debit
Early withdrawal results in the disapplication of promotional conditions.
Who can apply
The account is aimed at individual consumers who own a smartphone and have a residency.
Full conditions
All of these conditions
Reserved for adult consumer customers.
Residence in Italy.
Available via internet and the N26 mobile application with a compatible smartphone.
All ISC / ICC profiles
Official ICC (formerly ISC) estimates for Banca d’Italia’s standard profiles. Your cost depends on how you use the account.
| Profile | Online | Branch |
|---|---|---|
| Youth (no. 164 operations) | €58.80 Indicative costs established by the Bank of Italy for accounts without an overdraft facility. | Not applicable Indicative costs established by the Bank of Italy for accounts without an overdraft facility. |
| Low-activity households (no. 201 operations) | €58.80 Indicative costs established by the Bank of Italy for accounts without an overdraft facility. | Not applicable Indicative costs established by the Bank of Italy for accounts without an overdraft facility. |
| Medium-activity households (no. 228 operations) | €58.80 Indicative costs established by the Bank of Italy for accounts without an overdraft facility. | Not applicable Indicative costs established by the Bank of Italy for accounts without an overdraft facility. |
| High-activity households (no. 253 operations) | €58.80 Indicative costs established by the Bank of Italy for accounts without an overdraft facility. | Not applicable Indicative costs established by the Bank of Italy for accounts without an overdraft facility. |
| Pensioners with low activity (no. 124 transactions) | €58.80 Indicative costs established by the Bank of Italy for accounts without an overdraft facility. | Not applicable Indicative costs established by the Bank of Italy for accounts without an overdraft facility. |
| Pensioners with medium activity (no. 189 transactions) | €58.80 Indicative costs established by the Bank of Italy for accounts without an overdraft facility. | Not applicable Indicative costs established by the Bank of Italy for accounts without an overdraft facility. |
Stamp duty excluded
Tax and other charges
- Stamp duty
- €34.20 / year
- Separate from the fee; applicability is conditional.
- Tax paid by the bank
- No
- Account opening fee
- Free
- Online SEPA transfers
- Free
- Other-bank ATM withdrawals
- Free · Unlimited free transactions / month
- Foreign-currency withdrawals
- 1.7%
Account-linked cards
- Debit card
- Free
- Card issue fee: Free
- Delivery: Free
- Card replacement: €10.00
- Foreign-currency payments: Free
Features
- Free without conditions
- No
- Free with conditions
- —
- Free for an initial period
- —
- Joint account
- No
- Branch banking
- No
- Cash deposits
- No
- Italian IBAN
- Yes
- F24 tax payments
- Yes
- Debit card available
- Yes
- Apple Pay
- Yes
- Google Pay
- Yes
- App available in English
- —
- Account opening in English
- —
- Customer support in English
- —
Bank apps
Provider apps: check that your product is supported. Store availability does not establish English support.
N26 — Love your bank
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