N26: the smartphone bank with countless advantages

Free, mobile, simple to use. It has never been simpler to manage your finances with N26. In reality, the German mobile bank has been thinking of an account that can be opened from the website in a few minutes-and in very few easy moves-without signing queues in the bank or documentation. Once you have the card, you can handle your account straight from your smartphone through the dedicated app.

But what features can you access by telephone? Practically all those you need to manage your finances on a regular basis. You have an easy-to-understand summary of all your monthly expenditures directly on your app in addition to internet payments, wire transfers and direct debits, so you always have all your revenue and expenditures under control. Then you will always receive a push notification on your smartphone for each activity from your account, which helps you keep track of all the activities done.

The types of accounts currently available are 4: N26 Standard, the basic account with no management fees, the premium accounts N26 Black and N26 Metal and N26 Business, which are designed for freelancers and freelancers.

And for those who take advantage of an N26 promotion, multiple benefits can be obtained, including € 10 starting balance directly in the account. Simply apply the advertising code when you open.

N26 and payments: a smartphone or contactless payment card with Google Pay One of the primary benefits of the N26 is the ability to pay conveniently through the smartphone in the stores. In reality, all N26 cards are compatible with mobile payments: simply add your Mastercard N26 to Google Pay to pay directly with your phone, securely and conveniently, not only online, but also in applications and approved shops. In addition, all N26 cards, including the N26 Metal card, are fitted with NFC smarpthone technology made completely of stainless steel. This means you can use them to pay with your mobile phone in contactless mode: you just need to contact them at the POS to create your purchases in the shop.

The phone as a piggy bank: what are Spaces and MoneyBeam. Spaces and MoneyBeam are two other really practical characteristics of the N26 accounts. Spaces enables you to build custom spaces separated from the primary account, which can be used in a easy and flexible manner to set cash aside for your projects. You can set a savings target for every room and track your progress in real time. Simply put, as a real digital piggy bank, you can use your mobile (and therefore your account).

You can create up to 2 active spaces with the N26 Black and N26 Metal premium accounts if you have an N26 Standard account and up to 10 active spaces. Just one press to do that. Don't forget to allocate your fresh room with an icon and a particular label depending on your goal. An instance? "Holiday". Set your savings objective next: how much cash will you spend on your next holiday? Whenever you want, with a easy "click and drag" you can drag cash from your primary account into space and space into space.

On the other side, MoneyBeam is ideal when dividing the bill is often hard in circumstances such as a lunch, an aperitif or a vacation with friends. It's a feature that enables you to immediately use your mobile to send cash to your contacts. All without the need for bank details: just select a contact to send money with a simple click from your N26 user list, free of charge and in real time. Those without an N26 account will obtain a connection via SMS or email: they will have to enter their bank information at that stage and acknowledge the transfer.

Account N26: views and security In general, those who begin to move to an internet account always have a query: how secure is using a smartphone? We normally look for views on the net, as with the N26 card, that can direct us to the various pros and cons.

N26 utilizes various technologies to protect its customers ' safety and privacy. First, N26 uses a system called MasterCard 3D Secure to ensure maximum security when making online purchases: the user receives a code via telephone for each operation to be entered to confirm that he is the authorized cardholder.

Other security-oriented anti-fraud features allow blocking and unblocking the card with a click from the app, disabling payments online and abroad or changing the N26 PIN Mastercard at any time.