Yes. N26 holds a full banking licence from the European Central Bank and is supervised by the German Federal Financial Supervisory Authority (BaFin). Customer deposits are insured up to €100,000 per customer by the German Deposit Guarantee Scheme.

What countries is N26 available in?

N26 is available in 24 countries including Germany, France, Spain, Italy, Austria, Belgium, Netherlands, Portugal, Ireland, and the US. N26 exited the UK market in 2020 following Brexit.

What are N26's monthly fees?

N26 Standard is completely free. N26 Smart costs €4.90/mo, N26 You costs €9.90/mo (includes travel insurance), and N26 Metal costs €16.90/mo (premium metal card and full insurance package). All plans include a Mastercard debit card.

Can I receive my salary into N26?

Yes. N26 provides a full German IBAN (DE) which you can use for salary payments, standing orders, and direct debits. You can give your employer or government your N26 account details for any payments.

Does N26 have a credit card?

N26 offers a credit card (N26 Card) in some markets as an add-on. The standard Mastercard on all plans is a debit card. N26 also offers small overdraft facilities to eligible customers in select markets.

Home/Kaunas/European Digital Banking/N26 Review

Viewing N26 for Kaunas, Lithuania · See global review

ECB LicensedFull EU Banking Licence & Deposit ProtectionKaunas

Is N26 available in Lithuania?

N26 is available to residents of Lithuania — here's how Kaunas readers can open an account and what to check first.

4.4

Based on 60,000+ user reviewsEst. 2013

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*Affiliate disclosure: We may earn a commission if you open an account via our link, at no extra cost to you.

Quick Facts

Customers8M+

Countries24

Deposit protection€100K

Founded2013

RegionEurope

Our rating

4.4

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Using N26 in Kaunas, Lithuania

Confirm country eligibility with the providerLocal currency: Euro (EUR)Rated 4.4/5 · 60,000+ reviews

N26 is a licensed European bank (N26 Bank AG) operating across the EU/EEA single market; it withdrew from the United States in 2022 and the United Kingdom in 2020.

To open an account from Lithuania you will typically need residency in a supported EU/EEA country and a local address. Eligibility, supported documents, fees and available products can change, so confirm the current requirements on N26's official site before you apply.

Digital Bank Networks earns a commission if you open an account through our link, at no extra cost to you. Our rating reflects the global product; always verify country-specific terms directly with N26.

Is N26 available in Lithuania?

Yes. N26 operates in Lithuania as of 2026. N26 is a licensed European bank (N26 Bank AG) operating across the EU/EEA single market; it withdrew from the United States in 2022 and the United Kingdom in 2020. Confirm the latest eligibility and pricing on N26's official website before applying.

What is N26?

N26 is one of Europe's leading mobile banks, founded in Berlin in 2013. With over 8 million customers across 24 countries, N26 holds a full EU banking licence from the European Central Bank, meaning customer deposits up to €100,000 are protected by German deposit insurance. N26 offers free and premium current accounts with a Mastercard, instant payment notifications, shared spaces for budgeting, and integration with Apple Pay and Google Pay. Premium plans (N26 Smart, You, Metal) add travel insurance, cashback, and higher ATM limits. N26 is known for being one of the first banks to offer fully paperless account opening completed in under 8 minutes.

Headquarters: Berlin, Germany

Founded: 2013

Key Features of N26

Free current account

A full current account with IBAN, Mastercard debit card, and zero monthly fee.

Instant push notifications

Real-time alerts for every transaction — know exactly where your money goes.

Spaces (sub-accounts)

Create virtual sub-accounts to organise savings goals and budgets.

Free foreign payments

Send money to SEPA countries for free and receive in EUR at no cost.

Travel insurance (You/Metal)

Comprehensive travel, medical, and phone insurance included in premium plans.

Apple Pay & Google Pay

Add your N26 card to mobile wallets instantly — ready to use before the physical card arrives.

N26 Pros & Cons

Advantages

Full EU banking licence — deposits insured up to €100,000
Account opened in under 8 minutes — fully digital
Free account with no minimum balance
Excellent app with clean UX — consistently top-rated
No foreign transaction fees on premium plans
Available across 24 European countries + US

Disadvantages

Cash deposits require third-party partners (inconvenient)
Limited lending products — no mortgage or overdraft on free plan
US offering has fewer features than European version

Who is N26 Best For?

EU residents wanting a free, fully digital bank accountExpats living across multiple European countriesFrequent travellers wanting no FX feesYoung professionals switching from traditional banksAnyone wanting to open a bank account digitally in minutes

Ready to get started with N26?Confirm eligibility for Kaunas with the provider

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Frequently Asked Questions About N26in Kaunas

Is N26 safe?

N26 is a regulated financial services provider. Digital Bank Networks only features regulated, vetted affiliates. Always review the provider's terms, fees, and regulatory status before transferring funds. CFD and forex trading carries risk — please read all risk disclosures before trading.

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