How to Cancel N26
N26 is a European digital bank offering free and premium current accounts with features like real-time notifications, sub-accounts, and fee-free spending abroad. Close your account through the app.
Steps verified March 2026
Quick Facts
Pricing (all plans)
Cancel online?
Yes
Pause option?
No
Refund policy
Balance must be withdrawn. Premium plan fees are non-refundable.
After cancellation
Records retained per EU banking regulations (10 years).
What to Watch Out For
- Premium plans have a 12-month minimum commitment.
Direct Debit & Billing Warnings
- N26 premium plans have a minimum term; check before signing up.
Cancellation Steps
Go directly to N26 cancellation pageTransfer your balance
Move all funds to another account.
Cancel premium plan
Downgrade to the free plan if on N26 Smart, You, or Metal.
Close account in app
Go to My Account > Close Account and follow the steps.
Confirm closure
N26 processes the closure and sends confirmation.
Tips & Things to Know
- Premium plans have a minimum commitment of 12 months.
- Cancel any standing orders and direct debits first.
- Download statements before closing.
Your Consumer Rights
- BaFin regulated.
- EU deposit protection up to €100,000.
- EU Consumer Rights Directive applies.
Frequently Asked Questions
Can I close anytime?
Free accounts yes. Premium accounts have a 12-month minimum.
Is N26 available in the UK?
N26 withdrew from the UK market after Brexit.
Is my money protected?
Yes, up to €100,000 under German deposit protection.
Can I downgrade first?
Yes, downgrade to the free plan before closing.