Smart Account

Transfer, receive, and manage your money via the mobile N365 app. Open your free account, including a Mastercard, in just few minutes—directly from your smartphone. No paperwork, stress, or waiting times. Just easy mobile banking wallet that works.


Go global with the international personal account. Pay, get paid and manage your cash flow in multiple currencies.

All Payment & Financial Solution in One Product

Your free account comes with a virtual N365 Mastercard—you can start using it as soon as your account is set up. Link it to Apple Pay or Google Pay to make payments in stores, online, or in apps. And if you need cash, make up to 3 free withdrawals per month—simply find your nearest ATM equipped with a contactless reader.

Instant paymentsfast and easy

Make free bank transfers in real-time with N365. Instantly send, receive, or request money from other N365 users using just an email adres.

Urgently need to move funds into your N365 account from another bank? Avoid the delay with SEPA Instant Credit Transfers to receive incoming payments into your free bank account in seconds.

Saving You Time

You are in charge over your money 24/7

Your smart virtual card accepted Worldwide

Get a virtual Mastercard with your free bank account. You can connect it with Apple Pay or Google Pay.

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Customer Support

Need help? We got you! Get in contact with or Customer Support specialists via the in-app chat or visit the Customer Support to find answers to the FAQ.

Compare accounts

Find the perfect plan for you.


0,00 /Month
  • digital (business) account
  • virtual card
  • easy transfers


4,95 /Month
  • digital account
  • virtual and physical card
  • extra features

Business Smart

9,95 /Month
  • digital business account
  • factoring
  • Payouts