N26

N26 is a Berlin-based mobile bank with a full German banking licence, supervised by BaFin. Accounts are euro-area current accounts opened in minutes from the app, with real-time push notifications, automatic transaction categorisation, sub-accounts (Spaces), Apple Pay and Google Pay. The Standard tier is free; paid Smart (€4.90), You (€9.90) and Metal (€16.90) tiers add insurance, partner perks and higher free withdrawal limits. Deposits are protected up to €100,000 by the German deposit guarantee scheme.