This reduces complexity and makes it easier than ever to budget, track expenses, and achieve financial goals together. The new feature will now be available to customers in Austria, Belgium, Denmark, Estonia, Finland, Greece, Iceland, Ireland, Latvia, Liechtenstein, Lithuania, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.

N26 Joint Accounts offer transparency and full control over shared finances

From today, N26 customers in these markets with accounts across all personal membership tiers, including the free N26 Standard, can create a Joint Account with just a few taps, directly within their N26 App*. The feature’s simple and user-friendly interface allows its users to filter expense information by participant and keep track of the joint monthly budget, thereby promoting healthy financial habits. Smart insights and full legal ownership for both participants offer added safety and transparency.

Each N26 customer can create one Joint Account, with a maximum of two N26 customers participating in a Joint Account together. Every Joint Account comes with its own dedicated IBAN, making shared expenses like rent payments or household expenditures easy to manage and split.

The Joint Account can simply be linked to both customers’ personal virtual or physical cards within the N26 App, for a convenient everyday banking experience.

“N26 customers can open a Joint Account with their partner or loved one in just a few taps, without complexity or tedious paperwork” said Valentin Stalf, Founder and CEO of N26. “This way, our customers can easily manage their personal and shared finances within the N26 app, while building healthy financial habits and achieving their financial goals together.”

N26’s Joint Accounts will complement its existing Shared Spaces feature, which allows customers with a premium subscription to create shared sub-accounts with close contacts without the long-term commitment of a joint bank account. Shared Spaces allow customers to budget for holidays and leisure activities with friends, split expenses with roommates, or share larger gifts and purchases, where the owner of the Shared Space is legally the owner of the funds held within. To learn more about Joint Accounts, click here.

*: N26 Joint Accounts are not available to customers with N26 Business Accounts.