Let Me Cancel
BrowseCountriesToolsBlog
Submit a service
N26 logo

How to Cancel N26

Closing N26 is straightforward via the app, but you must empty your account balance first and cancel any premium plan. Free accounts close anytime; premium accounts have a 12-month minimum commitment.

Moderate
Banking

Steps verified

Quick Facts

0
Pricing (all plans)
Standard£0.00/mo
Smart£4.90/mo
You£9.90/mo
Metal£16.90/mo
Cancel online?
Yes
Pause option?
No
Refund policy
Your account balance must be fully withdrawn before closure. Premium plan fees are non-refundable.
After cancellation
N26 retains transaction records and account data for 10 years per EU banking regulations.

Cancellation Steps

Go directly to N26 cancellation page

  1. Transfer your balance

    Move all funds from your N26 account to another bank account.

  2. Cancel premium plan

    Downgrade to the free Standard plan if you're on Smart, You, or Metal.

  3. Open Close Account

    In the N26 app, tap My Account > Close Account and review the closure details.

  4. Confirm closure

    Follow the final prompts. N26 processes closure and emails confirmation within days.

Tips & Things to Know

  • Cancel all standing orders and direct debits before closing to avoid rejection.
  • Download your statements and transaction history before the account closes.
  • If on a premium plan with an active commitment, you must downgrade first or wait until the 12-month term ends.

Your Consumer Rights

  • Under the EU Consumer Rights Directive, you have 14 days to withdraw from opening a premium plan.
  • N26 is regulated by BaFin (German financial regulator) and subject to EU banking law.

Frequently Asked Questions

Can I close N26 anytime?
Free accounts yes, immediately. Premium accounts (Smart, You, Metal) have a 12-month minimum commitment.
What happens to my money when I close?
You must withdraw your full balance. N26 will not close the account with money still in it.
Will I get a refund on my premium fees?
No. Premium plan fees are non-refundable. Only downgrade if you're within your commitment period.
How long does closure take?
Account closure is instant in the app, but N26 processes it over several days and sends email confirmation.
Is my money protected if N26 fails?
Yes. N26 holds deposits in German banks, protected up to €100,000 under German deposit guarantee rules.

Related Cancellation Guides