N26
Neobanque berlinoise BaFin, compte + carte + crypto (sans trading actions)
📋About N26
N26 est une neobanque allemande creee en 2013 a Berlin par Valentin Stalf et Maximilian Tayenthal, l'une des plus grosses fintech d'Europe (10 milliards EUR valorisation 2021). Detenant une licence bancaire complete BaFin depuis 2016, N26 compte plus de 8 millions de clients dans 24 pays UE + Royaume-Uni (sortie 2020) + USA (sortie 2022). N26 est principalement une banque mobile (compte courant + carte + epargne) plutot qu'un broker pur. Cote investissement : N26 a lance le N26 Crypto (200+ cryptomonnaies via partenariat Bitpanda en 2024) et N26 Stocks (offre limitee en ETF/actions, deploye progressivement depuis fin 2024 en partenariat avec Upvest). Pas de CFD, pas de forex, pas de derivatives. Cible une clientele jeune mobile-first.
ⓘKey info
⚖Pros & Cons
- ✓Banking license complete BaFin + garantie 100K EUR
- ✓Tout-en-un : banque + carte + crypto (200+)
- ✓IBAN allemand accessible dans 24 pays UE
- ✓8M+ clients europeens
- ✓App primee (UX mobile reference)
- ✕Trading actions/ETF tres limite (offre en deploiement)
- ✕Spread crypto eleve (1.5-2.5%)
- ✕Pas de CFD, pas de forex, pas de derivatives
- ✕Pas de plateforme desktop
- ✕Pas de fractional shares sur tout le catalogue
- ✕Bien meilleur en banque qu'en investissement (focus principal banking)
- ✕N26 a connu des sanctions BaFin en 2021-2023 (AML)
Regulation and licenses
N26 is regulated by the following authorities: BaFin, Bundesbank. These regulations provide a legal framework for client funds and require the broker to follow strict transparency rules.
Available trading platforms
N26 offers: N26 App (mobile-first).
How to open an account at N26?
Opening an account at N26 is done online in a few minutes. KYC verification (identity + proof of address) is required by regulation. Once approved, the initial deposit can be made by bank transfer, card, or e-wallet depending on the broker's options.
Analyse-Trading community reviews and rating
The community rating is calculated from verified reviews left by users connected to our platform. Each trader can rate N26 on 5 criteria: fees, platform, support, security, and withdrawals. Check the detailed reviews and trader feedback below.
⚠ Risk warning: Trading CFDs and Forex involves a high risk of rapid money loss due to leverage. The majority of retail investor accounts lose money trading CFDs. You should make sure you understand how CFDs work and whether you can afford to take the high risk of losing your money.