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Question 1

What documents do I need to open a bank account?

Accepted Answer

In order to open a bank account with N26, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved—just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where N26 operates.

Question 2

How much does a N26 bank account cost?

Accepted Answer

The Standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €9.90 per month, the N26 You bank account costs €9.90 per month and the N26 Metal account is available for €16.90 per month, with a 12-month commitment period. To open an N26 account, no deposit or minimum income is required.

Question 3

How old do you have to be to open an N26 bank account?

Accepted Answer

You’ll need to be at least 18 years old to open a bank account with N26.

Question 4

What do I need to do to switch bank accounts?

Accepted Answer

Simply [visit the Qwist website](https://n26.kontenwechsel.at/?locale=en) and follow the instructions. Qwist will then contact all relevant parties and automatically transfer direct debits, standing orders, and incoming transactions for you.

Alternatively, you can switch bank accounts yourself by sending the details of your new bank account to any relevant parties.

Question 5

What’s the difference between a personal bank account and a business one?

Accepted Answer

The major difference between a personal bank account and a business account is what it’s used for. As the name suggests, personal bank accounts are designed for personal, day-to-day use. Conversely, business accounts are only intended for business transactions. A business account gives you a better overview of your business expenses and enables you to store the relevant receipts more easily. [This blog post](https://n26.com/en-at/blog/free-business-bank-account-as-a-freelancer) tells you more about the differences between these two kinds of accounts.

Question 6

Can I have a personal and business account at the same time?

Accepted Answer

You can’t have two bank accounts with N26 at the same time. If you already have an N26 account but would like to open up an N26 business account, you’ll have to close your personal account first. Then you can open a business account through the N26 app or our website.

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