Risk indicator for all N26 accounts.
1
/6
This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.

Open a Spanish bank account in English with zero paperwork

Open your bank account from your phone and start enjoying the benefits of controlling all your finances in one app. ✓ Free bank account ✓ Spanish IBAN ✓ 100% app-based banking: no paperwork required ✓ Your finances in your language
Open Bank Account

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Register from your phone

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Verify your identity through a videocall

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Receive your N26 virtual Mastercard and activate it from the app

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Enjoy the bank the world loves to use

Deposit Protection Scheme - Icon - N26 Security

A Spanish IBAN

Pay rent, get paid, and settle your finances. We’ll give you a Spanish IBAN immediately after opening your account.

N26 Mastercard

Your free virtual contactless N26 Mastercard debit card is accepted all over the world. If you need, you can order a debit Mastercard. You'll only have to pay the delivery fees.

Foreign currency transfers: in a few taps with TransferWise

Send money in 38 currencies with just a few taps with our partner Wise. Everything happens in-app without a piece of paperwork. Wise is up to ten times cheaper than sending money with normal banks.

Pay anywhere. Get charged nowhere

Pay using your virtual Mastercard anywhere in the world—for free. We don’t charge foreign transaction fees. Whether it’s Mongolian tögrögs or Mexican pesos, it’s all the same to us.

n26 standard card.
n26 metal card.
n26 you card.

Arrive smoothly in Spain

Open your N26 account in minutes. And get on with what really matters.
Open Bank Account

Frequently asked questions

    After you've validated your email address, you'll have to verify your identity via a video call through the N26 app. You can see what type of IDs we accept here.

    You can open a N26 account if you’re at least 18 years old, living in one of these countries, and own a compatible smartphone. To start the sign-up, simply create an account in the N26 app or on the N26 website and confirm your email address. You can then introduce yourself with your ID directly in the app and then pair your smartphone with your account.

    If you're a resident of Spain and meet the requirements of opening an N26 bank account, you will be assigned an IBAN starting with ES when you successfully complete the signup process.

*2.05% AER (2.25% annual NIR). With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, discounting the annual amount of the subscription to the N26 metal category of 202.80 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,047.2 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, for all new customers who open the N26 Savings Account before February 6, 2025, an additional 0.25% bonus will be added to the previously mentioned interest rate. This bonus will be calculated daily based on the annual nominal interest rate until February 5, 2025. **1.25% AER (1.25% annual NIR). With this interest rate, if you maintain a daily balance of 15,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 187.50 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, for all new customers who open the N26 Savings Account before February 6,an additional 0.25% bonus will be added to the previously mentioned interest rate. This bonus will be calculated daily based on the annual nominal interest rate until February 5, 2025.