N26 Stock for Accredited Investors

Fintech
CEO Mike Dargan Founded 2013 HQ Berlin, Germany

N26 is a German digital bank and fintech company that provides mobile-first checking accounts, debit cards, transfers, and investing features. It operates across Europe and is positioned as an all-in-one app for everyday money management.

Access to pre-IPO shares is available to accredited investors through UpMarket.

Latest Price
$6.0B
Series D, Jan 2023, Perplexity
UpMarket Estimate
$5.4B
Based on UpMarket valuation model
Previous Price
$9.0B
Series D Oct 2021

How to Invest in N26 Through UpMarket

N26 shares are not on public exchanges. UpMarket provides accredited investors access through secondary market transactions.

Step 01

Verify accredited investor status

Confirm eligibility under SEC Rule 501 of Regulation D. Income or net worth threshold applies.

Step 02

Create an UpMarket account

Complete KYC/AML onboarding. Typically 1–2 business days. Licensed rep assigned on signup.

Step 03

Review available N26 offerings

Full offering memoranda and risk disclosures provided before any commitment is required.

Step 04

Complete subscription documents

Review and sign subscription agreement. All documents handled digitally through the platform.

Step 05

Fund your investment

Wire transfer or ACH. $50K minimum. Funds held in custodial account until close.

Pre-IPO investments are illiquid, speculative, and involve risk of total loss of capital.

$1.3B+
UpMarket has brokered over $1.3 billion in alternative investments*
*Includes principal invested and appreciation of investments originated via the UpMarket platform based on historical trade volume and valuation estimates through March 31, 2026. Of the total, approximately $301 million is managed by UpMarket Management, with the remaining originated investments managed by affiliates. Past performance is not predictive of future results.

Valuation Growth Over Time

Post-money valuation by round
Previous rounds Most recent
DateRoundPPS (split-adj.)Valuation
Jan 2023 Series D $6.0B
Oct 2021 Series D $9.0B
Jan 2019 Series D $2.7B
Feb 2018 Series C $1.7B
Mar 2016 Series C $0.3B

N26 Revenue and Growth

Annual revenue

Why Investors Are Watching N26

Growth Signal

N26 revenue rose 40% to €486M in 2024

Sacra estimates N26 revenue reached $486M in 2024, up 40% from $347M in 2023. The company also said it reached its first quarterly profit in Q3 2024 as customer growth accelerated.

Competitive Moat

N26 has 8M customers and a Europe-first footprint

Statista said N26 had 8 million customers by November 2023, with projected growth to about 8.7 million by end-2025. Contrary Research says the bank operates in 23 European markets and has focused its strategy on core European countries.

Product Milestone

N26 hit first quarterly profit as customers grew

N26 said it reached its first profitable quarter in Q3 2024 and expected 4.8 million revenue-relevant customers by end-2024, versus 4.2 million at end-2023. Its model relies on subscription revenue, interchange fees, and net interest margin.

Interested in N26 stock? Fill out the form above or sign up directly. Subject to availability. Accredited investors only.

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N26 Leadership Team

Valentin Stalf
CEO
Maximilian Tayenthal
Co-Founder
Arnd Schwierholz
CFO

UpMarket Investment Curation Process

  • Full diligence on every offering

    UpMarket curates and conducts independent diligence on every investment opportunity before it reaches the platform.

  • Strategy, fees & legal reviewed in full

    We review every offering's strategy, risk management, liquidity, fees, valuation methodology, tax matters, and all third-party providers — legal counsel, auditor, administrator, and custodian.

  • Disciplined managers only

    We offer investments exclusively from disciplined managers that pursue unique strategies across an array of asset classes.

  • Built around your objectives

    Our goal is to empower you to build a portfolio that best meets your individual investment objectives.

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N26 Stock FAQ

No. As of March 2026, N26 is a private company and does not trade on any public stock exchange. Accredited investors can access N26 shares through UpMarket, a FINRA-registered broker-dealer that specializes in pre-IPO investments.

N26 does not have a public stock price because it is privately held. The most recent known share price comes from its last funding round. Pre-IPO share prices on the secondary market may differ from the last round price depending on supply, demand, and market conditions.

Yes. Accredited investors can indicate interest in N26 shares through UpMarket by filling out the form on this page or creating an account at upmarket.co. All pre-IPO offerings are subject to availability and require a $50,000 minimum investment. UpMarket is a FINRA-registered broker-dealer and has brokered more than $500M in alternative investments since 2019.

Pre-IPO investments carry significant risks. N26 shares are illiquid, meaning there is no public market to sell them quickly. There is no guaranteed exit timeline or return. The investment is speculative in nature, and investors should be prepared for the possibility of total loss. Valuations of private companies can fluctuate substantially between funding rounds. Investors should consult their financial advisor and review all offering documents before investing.

In a pre-IPO transaction, accredited investors purchase shares from existing shareholders (such as employees, early investors, or other holders) through secondary market platforms. The company itself does not issue new shares in these transactions. UpMarket facilitates these trades as a FINRA-registered broker-dealer, handling compliance, documentation, and settlement on behalf of both parties.

There are two primary exit paths for pre-IPO holdings: selling your shares on the secondary market to another buyer, or holding until the company completes an IPO or is acquired. Both paths are subject to transfer restrictions, company approval (right of first refusal), and market conditions. The timing of any exit is unpredictable, and investors should plan for a multi-year holding period.

The minimum investment for most pre-IPO offerings on UpMarket is $50,000. This amount may vary depending on the specific offering and share availability. There are no fees to create an UpMarket account or browse available investments. Investors only pay transaction-related fees when they complete an investment.

UpMarket's valuation estimate of is derived from a proprietary model that incorporates multiple data sources: funding round data (Caplight), revenue estimates (Sacra), secondary market pricing, and public company comparables. The model applies a private company discount to the public comp multiple to account for illiquidity and information asymmetry. This estimate is not investment advice and may differ substantially from the price at which shares actually trade.

N26 is a German mobile-first digital bank offering checking accounts, debit cards, transfers, and investing features, with revenue rising 40% to €486M in 2024; its profitable 2024 performance and focus on core European markets support continued growth — accredited investors can access N26 stock through UpMarket.

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