N26 cash deposits: limits, fees, and processing time (2026 update)

Where can you deposit cash with N26?

N26 does not operate its own branches - all deposits are handled through the Cash26 partner network.

Deposit options via Cash26

• dm
• Rewe
• Penny
• participating petrol stations
• selected partner shops

How it works:

1. Open the N26 app → select “Cash26.”
2. Enter the amount.
3. Generate the barcode.
4. Have it scanned in the partner shop.
5. Hand over the cash → the amount is credited.

This is the standard method for depositing money with N26.

Deposit via ATMs?

Many customers search for “N26 deposit ATM.”

Important:
N26 has no own deposit ATMs. Some third-party ATMs offer deposits, but not for N26.

Deposit via Sparkasse or Volksbank?

• N26 deposit at Sparkasse → not possible
• Sparkasse, Volksbank or third-party bank ATMs do not accept deposits for N26 accounts.

Costs: How much does a cash deposit with N26 cost?

Cash deposits are not free.

Fees (2026)

• 1.5% of the deposit amount per Cash26 transaction
• No fixed fee - always percentage-based

Example:

• Deposit €200 → €3 fee
• Deposit €800 → €12 fee

Important: Searches such as “N26 free cash deposit” do not lead to any real free option.

Limits: How much cash can you deposit?

N26 has clear deposit limits.

Cash26 limits

• Min. €50 per deposit
• Max. €999 per transaction
• Approx. €3,000/month via Cash26 (guideline)
• Partners may set their own limits (e.g., petrol stations)

N26 annual deposit limit

• Above certain thresholds, N26 must verify the source of funds (legal requirement)
• This applies to all banks, not only N26

“How much can you deposit without it being reported?”

This is legally regulated (anti-money laundering law).
General guidance (not N26-specific):

• From €10,000 in cash deposits, banks require documentation
• Can happen below that depending on risk assessment

N26 examines suspicious cash deposits thoroughly.

Processing times: When is the deposited money available?

Cash26 is very fast.

Processing time

• Real-time credit in almost all cases
• At most a few minutes after the deposit

Only for unusual amounts or security flags may N26 delay the credit briefly.

Cash deposits via Cash26: pros and cons

Pros

• Over 10,000 partner locations across Europe
• Fast crediting
• Simple process via the app
• No card required - barcode is enough

Cons

• No free deposits
• Limited amount per transaction
• No deposit ATMs
• No option to deposit at banks such as Sparkasse

FAQ: Common questions about N26 cash deposits

• Can I deposit cash at a bank?

No, depositing cash via branch banks into an N26 account is not possible.

• Can I deposit cash at a petrol station?

Yes - via Cash26 partner petrol stations if the location participates.

• Can I deposit money at dm?

Yes - N26 cash deposit at dm is one of the most common options.

• How do I top up my N26 account?

Only via:

• bank transfer
• Cash26 cash deposit
• incoming payments from other banks

• Can I deposit large amounts?

Only in stages; from around €10,000 you must provide proof of origin.

• Is there a free option?

No. Searches such as “N26 free cash deposit” lead to no official method.

Step-by-step: how to deposit cash at N26

N26 Cash26 deposit - process

1. Open the app → select Cash26.
2. Enter the amount.
3. Create the barcode.
4. Go to a partner (dm, Rewe, Penny, petrol station).
5. Have the barcode scanned.
6. Hand over the cash → the amount appears instantly in the account.

This is the official process for depositing cash with N26.

N26 offers a functional and fast cash-deposit system via Cash26 - but under clear conditions:

• No free deposits
• 1.5% fee per deposit
• €999 limit per transaction
• Real-time crediting
• Deposits only via partners, not banks or ATMs

For users who only need to deposit cash occasionally, Cash26 is convenient. For people who regularly handle cash, N26 is less suitable because there is no free option.