Backend Engineer – Core Systems
N26 is a 100% mobile bank based in Berlin, Germany, offering banking, saving, and investing all in one app. It serves millions of retail customers across 24 European markets, providing free and premium bank accounts, savings products, and investment options.
Projects
About N26
N26 is Germany's first fully mobile bank, holding a full banking license from BaFin (the German Federal Financial Supervisory Authority). It offers a range of personal banking products including free and paid current accounts (Standard, Smart, Go, and Metal plans), virtual and physical Mastercards, joint accounts, and accounts for minors under 18. Customers can also access Instant Savings accounts with interest rates varying by plan, and a flexible cash fund investment product managed by Fidelity International offering variable returns. Through a partnership with Upvest Securities GmbH, N26 enables customers to invest in over 5,000 stocks, ETFs, and ready-made funds directly within the app, with savings plans starting from €1. The N26 Go and Metal plans also include travel-focused benefits such as cashback, favorable exchange rates, airport lounge access, and free ATM withdrawals abroad. N26 operates in 24 markets worldwide, serves over 8 million customers, and protects deposits up to €100,000 under the German Deposit Protection Scheme. Its typical clients are individual retail banking customers seeking simple, mobile-first banking, saving, and investing solutions.
Skills
About the Role
You'll join Bank Core, working on the systems at the heart of N26 - accounts, ledgers, and the core banking logic every other team builds on. You'll help revamp the core, shaping decisions that reach across the entire company. Your services will be written almost exclusively in Kotlin on Spring Boot, deployed on Kubernetes, communicating over Kafka, backed by Postgres, and running on AWS. You'll lean heavily on agentic coding while staying in charge - questioning what the tools produce, reviewing every line, and owning the result. You'll work with a high degree of autonomy, collaborate closely with your team, and share what you learn.
Requirements
- Solid grasp of microservice architecture
- Comfortable with relational databases, Postgres preferred
- Experience operating in a modern cloud environment, ideally AWS and Kubernetes
- Full professional proficiency in English
- Event-driven systems with Kafka (nice to have)
- Payments, ledgers, or other banking/fintech domain experience (nice to have)
Responsibilities
- Own features end to end on systems that move real money for millions of customers
- Go deep on the banking domain - payments, ledgers, and the rules beneath them - and use that understanding to question and sharpen what we build
- Drive your own priorities within a cross-functional team, and unblock yourself when you hit a wall
- Raise problems early with a proposed solution, instead of working around them
- Ship incremental improvements and share your findings - including at Get Stuff Done Days
Benefits
- Competitive personal development budget
- Work from home budget
- Discounts to fitness & wellness memberships, language apps and public transportation
- Premium subscription on personal N26 bank account, with subscriptions for friends and family
- Additional day of annual leave for each year of service
- Relocation package with visa support