N26 Bank SE

Bank · Berlin, Germany · overall 5.2 / 10

How this 5.2 is built

Average of 6 scored needs: 5.2. Regulation in Germany: 94/100 (World Bank governance indicators). Licence confirmed by a regulator's own list. 2 scores backed by filings or its own pages.

N26 Bank SE is recorded in the global register as a bank in Berlin, Germany. The register names European Central Bank, list of monetary financial institutions as its regulator and shows the licence as licensed. Established 2013. Collected from open registers.

On its own website: “N26 is the first bank you'll love. Beautifully simple, 100% mobile, and trusted by millions. Open your free bank account in minutes.”

Legal name: N26 Bank SE
Regulated by: European Central Bank, list of monetary financial institutions
Licence confirmed: yes, on a regulator's own list
Established: 2013
LEI: 529900JB9XYZ8E87N345
Website: n26.com/en-eu

Scores, 0 to 10

6.0Europe (EU, EEA, Switzerland)

Licensed and operating in its home country per the register entry; the depth of its offer here has not been checked yet. · source

6.0Lowest fees

The bank's own page names the monthly account charge. Transfer and card prices were not read on that page, so this score speaks only for the monthly charge. It reads: “Find a plan for you N26 Standard The free* online bank account Virtual Card €0.00/month A virtual debit card Free payments worldwide Deposit protection Open free bank acc” · source

6.0Financial strength & stability

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

5.0Best interest on business balances

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

5.0Trade, manufacturing & import-export

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

4.5Cross-border payments, FX and multi-currency accounts

Its own business page names SEPA, SWIFT, so payments can leave the country. The score stops at 4.5 because the page did not give the currencies the account holds or the margin on the exchange rate, and the rubric needs both to go higher. · source

4.5Fast digital onboarding

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.