The Provider Index
The stack · Index · N26 Business
Profile · Germany · checked 1 Sep 2026

N26 Business

N26 Bank AG. Read here in the order of the method: entity first, licence second, protection third, interface last.

Legal entity
N26 Bank AG
Home country
Germany
Licence type
Bank
Stage 2 · Licence

What the register says.

German banking licence, supervised by BaFin, register number 145827.

  1. Open BaFin company database and search the legal entity, not the brand.
  2. Search N26 Bank AG and read the institution type.
  3. Write down the field Register number 145827 together with the date you checked it.

Register to open

BaFin company database
https://portal.mvp.bafin.de/database/InstInfo/
Field: Register number 145827
Stage 3 · Protection

What happens if this entity fails.

German banks compensation scheme, 100,000 euro per depositor.

Cover applies to balances shown as liabilities towards customers, which includes demand and term deposits. It is a scheme of the German banking system, not of the app.

What we have not verified yet

  • Multi user access for business plans
  • Local IBAN discrimination reports in 2026

An empty cell is more honest than a guess. These lines stay here until we can put a source next to them.

Stage 1 · Interface

What to look at before you migrate.

N26 business accounts are aimed at freelancers and small companies rather than finance teams, so check payment initiation and user roles before you plan around it.