N26

Company research

Public company, workplace, funding, and market signals

Updated Aug 5, 2026

Overview

N26 SE is a Berlin-founded, BaFin-regulated European digital bank offering mobile-first everyday banking and adjacent savings, investing, credit, insurance, crypto and lifestyle products. It serves millions of customers across 24 European markets through a full German banking licence.

Primary product

100% mobile current-account and digital-banking platform with Mastercard debit card, payments, savings, investments, credit, insurance, crypto and premium plans.

Founded

2013

Headquarters

Berlin, Germany (Voltairestraße 8, 10179 Berlin)

Team size

Approximately 1,500–1,600 employees; 90+ nationalities (2025–2026)

Work style

Hybrid

Industry

Financial services

Sub-industry

Digital banking / neobank / fintech

Offices

Berlin, Germany

Barcelona, Spain

Madrid, Spain

Vienna, Austria

Paris, France

Milan, Italy

Business model

Freemium current accounts

Paid premium subscriptions (Smart, Go, Metal and market-specific plans)

Interchange and payment economics

Net interest income on deposits and lending

Fees from investments, crypto, transfers and other financial services

Insurance and partner-product commissions

Funding

Stage

Late-stage private company; Series E

Total raised

$1.7B

Latest round

Series E · Oct 2021

Latest amount

$900M

Series E

Oct 2021 · Third Point Ventures; Coatue Management

$900M

Series D

Mar 2021 · Earlybird; Swarovski

$36.2M

Series C

Mar 2018 · Tencent; Allianz X

$160M

Grant / prize money

Jun 2016 · IBB

$860K

Series B

Jun 2016 · Horizons Ventures

$40M

Series A

Apr 2015 · Valar Ventures

$10.6M

Seed

Jun 2014 · Earlybird Venture Capital

$2M

People & investors

Leadership

Mike Dargan

Chief Executive Officer / Managing Director

Maximilian Tayenthal

Co-founder; board/transition leadership role after CEO succession

Arnd Schwierholz

Chief Financial Officer / Managing Director

Jochen Klöpper

Chief Risk Officer / Managing Director

Aytac Aydin

Chief Operating Officer / Managing Director

Dan Hardaker

Chief People Officer

Daniel Lappas

Chief Product and Business Officer

Gino Cordt

Chief Technology Officer (scheduled to leave end-2026)

Timo Meyer

Chief Growth and Marketing Officer (scheduled to leave end-2026)

Anke Ulrich

General Counsel

Andrea Isola

General Manager Italy and VP European Markets

Antón Díez Tubet

General Manager Spain and Portugal

Jérémie Rosselli

General Manager France and Benelux

Founders

Valentin Stalf

Co-founder; former CEO/co-CEO; supervisory-board transition

Investors

Allianz X

Axel Springer Plug and Play Accelerator

Battery Ventures

Coatue Management

David Schneider

Dragoneer Investment Group

Earlybird Venture Capital

Work & culture

International, product- and technology-led banking culture organized around customer trust, innovation, operational maturity and in-person collaboration. N26 describes a diverse 90+ nationality workforce and a mission to improve people’s relationship with money.

Work style

Hybrid

Visa sponsorship

Limited

Compensation

Public compensation data is incomplete. Levels.fyi reports Berlin software-engineering total compensation of approximately €65K–€113K, with a median near €89K; actual offers vary by level, location, equity and bonus.

Benefits

Employee equity / ESOP participation

Sabbaticals and enhanced time off

Parent and caregiver flexibility

Working-from-abroad support

Business-travel support for fully remote employees

Relocation and immigration support (role/location dependent)

Personal development support

Premium N26 account for employees

Product & market

Pricing

Freemium: free standard account plus paid monthly premium tiers; separate Business plans and fees/terms for selected services.

Differentiators

—Full German banking licence
—Mobile-native, branchless experience
—Single app spanning spending, saving, investing, crypto, credit and insurance
—European market reach and multilingual operations
—Simple onboarding and transparent subscription tiers
—Strong product/technology orientation

Technology

Kotlin

Java

Swift

JavaScript

TypeScript

Python

React

Spring Boot

AWS

Kubernetes

Docker

Apache Kafka

PostgreSQL

CockroachDB

Redis

Snowflake

dbt

Cloudflare

GitHub Actions

Jenkins

Customers

Consumers seeking mobile current accounts

Customers across 24 European markets

Premium banking subscribers

Small-business customers via N26 Business accounts

Customers using savings, stocks/ETFs, crypto, credit, insurance and joint accounts

Competitors

Revolut

bunq

Monzo

Wise

Trade Republic

Vivid Money

Tomorrow

Traditional European retail banks

Scale & contact

Estimated revenue

Approximately €500M–€550M annually; N26 reported €501.6M revenue for FY2025.

Signals & risks

Layoff

Apr 2023

N26 announced a 4% headcount reduction, eliminating 71 roles, citing strategic focus and changes in the global business landscape.

Source

Other

Nov 2021

BaFin ordered risk-management remediation, appointed a special commissioner and capped customer acquisition at 50,000 per month; the action followed shortcomings in IT/outsourcing risk management and earlier AML concerns.

Source

Other

Dec 2025

BaFin ordered a new measures package and special monitor, additional capital requirements and a ban on new mortgage business in the Netherlands after finding serious deficiencies in risk, complaints and lending-organisation controls. BaFin also cited a €15,000 2025 fine concerning an improperly approved related-party loan.

Source

Other

Aug 2025

Leadership transition: Valentin Stalf planned to leave operational duties; Marcus W. Mosen was appointed co-CEO, followed by further CEO succession to Mike Dargan effective April 2026.

Source

Latest news

N26 evolves leadership bench with new Chief Growth and Marketing Officer and Chief Technology Officer

N26 · Jul 2026

Nathalie Picquot is due to join as CGMO in October 2026 and Marcin Pakulnicki as CTO in September 2026; Timo Meyer and Gino Cordt are due to leave their roles at year-end.

N26 delivers over €500M revenue and €350M gross profit in 2025, hitting first full year of net profitability

N26 · Jun 2026

FY2025 revenue was €501.6M, gross profit €350.5M and net income €1.6M; revenue-relevant customers reached 5.6M and deposits exceeded €10.5B.

German regulator orders oversight and limits on online bank N26

Reuters · Dec 2025

BaFin imposed stricter oversight, a special monitor, extra capital requirements and a Netherlands mortgage restriction after compliance and organisational-control findings.

N26 announces leadership updates

N26 · Aug 2025

Marcus W. Mosen was appointed co-CEO, Valentin Stalf planned to step away from operational duties, and Andreas Dombret was proposed as supervisory-board chair.

N26 announces landmark Series E funding round of more than $900 Million

N26 · Oct 2021

Third Point Ventures and Coatue led the $900M+ round at a valuation above $9B; Dragoneer and existing investors also participated.

Jobs and careers at N26

81 jobs at N26

KYC Team Lead - EDD/ODD

On-site

KYC Operations

Madrid; Madrid, Madrid, Spain

1d ago

On-site

Full-time