I’ve used N26 for over a year now. In this article, I’ll elaborate on the features, pros, cons, and other details of N26 – the new generation bank account. N26 is a virtual bank account, which you can open online. I mainly use N26 when I’m traveling in the EU, but I also use it to save more money. They provide you with a Mastercard, a German IBAN, and a super intuitive app which gives a clear overview of your finances.