All private individuals of legal age residing in Germany, Austria and the Netherlands. Opening a company account is possible upon request. Subscribe to our newsletter so you don't miss any news!

You identify yourself with NAO through a video identification process. You must have your valid identity card or passport ready. This process is secure and meets legal requirements. In doing so, we work together with our authentication partner IDnow.

You can easily deposit money into your NAO account via bank transfer (SEPA). When opening an account, you enter a reference account from which you can transfer money to your NAO account.
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We are currently working on other ways to deposit money into the NAO account. Sign up for our newsletter now so you don't miss out on any new product features!

Yes, you can. Simply contact us via the chat within the app so that we can take the next steps.

You can correct incorrect entries while opening an account. If you notice an error, simply contact us and we'll help you make the necessary changes.

Creating an account with NAO is easy and simple. All you need to do is download our app, enter your personal details and verify your identity. You can then top up your account and start investing.

Opening an account takes less than 7 minutes on average. All you have to do is enter a few details and authenticate yourself — we'll do the rest. However, opening a deposit and account at our depository can take up to two banking days.

You can withdraw money from your NAO account by making a withdrawal request in the app. The money is then transferred to your bank account.

Yes, an adequacy check is required at NAO. This is a legal requirement and serves to ensure that the investment products you choose match your knowledge, experience and financial circumstances.

Cancelling your account with NAO is easy. All you have to do is contact us and let us know your intention to cancel. After receiving your request, we will initiate the cancellation of your deposit.