N26 is a Berlin-based mobile bank founded in 2013. It holds a full German banking licence and serves over 7 million customers across Europe, with a workforce of more than 1,600 people representing over 90 nationalities.
The company operates entirely through a mobile app, offering retail banking, payments, and investment products under one roof. Its core offering includes a free bank account that can be opened in minutes without paperwork, fee-free spending abroad via virtual Mastercards, and savings accounts with interest rates linked to the European Central Bank. The platform also supports trading in stocks and ETFs, with cryptocurrency trading, instant savings, and travel benefits currently being added.
N26's technical scope spans mobile application development, payments infrastructure, wealth and investing features, regulatory compliance, and UX and product design. The business operates within a regulated banking environment while building and maintaining its own digital infrastructure across these domains.