Security at N26 (2024)

As a fully-licensed German bank built on the latest technology, we’re always working to make sure your money is in safe hands.

More than an app: 
A fully licensed bank

N26 is a fully licensed German bank. That means we have the same security regulations as any other bank. It also means your funds are protected up to €100,000 by the German Deposit Protection Scheme. But our security measures don't stop there.

Secure banking designed for today

Fully hosted in the cloud, we use artificial intelligence and machine learning to protect your account, fight financial crime and card fraud. It’s security technology you can trust.

You can always pay it safe

From biometric authentication to extra layers of protection like 3D Secure, you can always spend confidently with N26. Want extra peace of mind? Your account can only be paired with your own smartphone, and you get real-time push notifications on all account activity — no surprises.

Your money is in safe hands — yours

Get full control over the security of your account with customizable settings in your N26 app. Lock and unlock your card, change your PIN, set spending limits, and hide your sensitive data from prying eyes — instantly and effortlessly. It’s security your way.

Learn more

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