In short, no — N26 bank accounts don’t have service charges, or fees for opening or closing an account. If you decide to open a premium N26 Smart, N26 You, or N26 Metal account, you’ll have to pay a monthly membership fee, but you still won’t pay any of the fees mentioned above. Also, with the N26 Smart account, you won’t have to pay fees for withdrawing cash from ATMs in Europe, and with N26 You and N26 Metal, you can withdraw money from anywhere in the world for free.