The bank you’ll love
16Tracks is The Mobile Bank, helping you manage your bank account on-the-go, track your expenses and set aside money in real-time. Open yours in minutes right from your smartphone, and start spending before your physical card arrives.
Your free 16Tracks bank account
Get your free bank account in just 8 minutes and manage your money right from your smartphone. Discover smart features that give you more control over your finances. Get a virtual Mastercard right after opening your account—and connect it with Apple Pay or Google Pay to start spending right away. Up to €50,000 balance, no deposit fee applies.
Prefer a physical bank card? Order it for a one-time delivery fee.
Security is a top priority at 16Tracks
16Tracks operates with a full European banking license, and your bank account with a Swiss iBAN is protected up to €100,000, according to EU directives. And with fingerprint identification and advanced 3D Secure technology, you can rest assured you’re extra safe when making purchases in stores and online.
16Tracks Smart—save and spend with confidence
Discover 16Tracks Smart, the bank account that gives you more control over your money—with a direct customer service hotline if you ever need support. Choose a Mastercard in your choice of 5 colors and organize your finances with 10 Spaces sub-accounts—including Shared Spaces to save together with others. Plus, get insights on your spending habits with Statistics, and learn to budget better along the way.
Stay tuned with push-notifications
Keep track of every transaction that comes in and out of your bank account, thanks to real-time push notifications. Whether you’re withdrawing or depositing money, making a transfer or completing a monthly standing order—you’re always kept up-to-date.
Get Insights into your spending habits
Not sure where all your money's going? Our Insights feature automatically categorizes your spending in real time. Track regular expenses, keep a pulse on your costs, and spot opportunities for savings. Everyday budgeting has never been easier.Learn about budgeting
Reach your goals with 16Tracks Spaces
Give your financial goals room to grow with N26 Spaces sub-accounts. Personalize each space with a name, set your savings target, and easily stash savings aside with just a few taps.
Rather set it and forget it? Easy—create Rules to regularly move money over to a space, or try Round-Ups to save up the spare change whenever you pay by card.
16Tracks Support is here for you—in several languages.
If you have any questions or run into any problems, our 16Tracks Customer Support team is always on hand to help you in English, French, German, Spanish and Italian. Just reach out to them via email or chat to an 16Tracks expert right in your app.