# N26

> The first bank you'll love

N26 is a mobile bank that lets users bank, save, and invest from a smartphone app, operating under a full German banking license across European markets.

N26 is a digital bank based in Berlin that provides fully mobile banking services to individuals and freelancers across multiple European markets. Users can open bank accounts, send payments, earn interest on savings, and trade stocks, ETFs, and cryptocurrencies , all within a single app. The bank operates under a full German banking license from BaFin, with customer deposits protected up to €100,000 by the German Deposit Protection Scheme.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2013-02-01
- Profile: https://thegrid.id/profiles/n26

## Products

- [N26](https://thegrid.id/profiles/n26): N26 is a mobile bank offering tiered current accounts for personal and business use. Accounts are managed through a single mobile app with a Mastercard debit card, SEPA and instant transfers, and Spaces sub-accounts for organizing funds. A flexible Instant Savings account earns interest at rates tied to the European Central Bank deposit rate, varying by account tier. Within the app, users can trade stocks and ETFs without commission through a partnership with Upvest Securities GmbH, trade over 400 cryptocurrencies via Bitpanda, and invest in professionally managed ready-made funds. Premium account tiers include travel insurance provided by Allianz Assistance, airport lounge access, and a travel eSIM covering multiple destinations. Business accounts for freelancers and self-employed individuals are available across the same tier structure. The bank holds a full German banking license from BaFin, with deposits protected up to €100,000 by the German Deposit Protection Scheme. (Bank, Live, Main Product)

## Links

- [Main](https://n26.com)
- [Blog](https://n26.com/en-eu/blog)
- [Privacy policy](https://docs.n26.com/legal/06+EU/03+Privacy%20Policy/en/01privacy-policy-en.pdf)
- [Terms of Service](https://n26.com/en-eu/legal-documents)
- [Media Kit/branding](https://n26.com/en-eu/logo-assets)
- [Twitter / X](https://x.com/n26)
- [Facebook](https://www.facebook.com/n26)
- [Instagram](https://www.instagram.com/n26)
- [TikTok](https://www.tiktok.com/@n26)
- [LinkedIn](https://www.linkedin.com/company/n26)
- [YouTube](https://www.youtube.com/@N26bank)
- [Reddit](https://www.reddit.com/r/n26bank)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP