N26 for expats

Expat-friendly banking, no need to speak German

Open your bank account from your phone and start enjoying the benefits of controlling all your finances in one app.

✓ Fast sign-up process in minutes

✓ 100% app-based banking: no paperwork required

✓ Your finances in your language

Hand holding an N26 rhubarb card and in the background the N26 app.

We aren’t huge fans of paperwork — or of making you waste your time looking for the information you need. To make it easier for you, we explain here in detail what identity documents you need to open your N26 bank account, depending on your nationality.

See list of documents

Pay rent, get paid, and settle your finances like other Europeans do. We’ll give you an IBAN immediately after opening your account.

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.

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 using your 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.

We’re a licensed bank, 100% digital and secure. Every N26 bank account is guaranteed by the Compensation Scheme of German Banks up to €100,000.

Transferring money back home, or paying bills across the world? With N26 and Wise, sending funds abroad is hassle-free, fast and reliable—just choose from a wide selection of currencies and make an international transfer at the real market exchange rate.

You’ll be charged as little as possible, get full transparency every step of the way, and won’t get hit with hidden fees. And with the Wise feature directly integrated into your N26 app, all it takes is a few taps on your phone.

Run into any problems, or just have a question? Whatever the issue or need, our Customer Service team is always on-hand to help you in English, French, German, Spanish and Italian.

Contact them via email, or connect via chat with an N26 expert right through your app.

Woman laying down looking at her mobile and holding a N26 card.
  • Hit the button below and enter your personal details in order to create your account.

  • Please have a valid ID at hand. We don't have branches so you can verify your identity within the app.

  • Your N26 virtual debit card is ready to use.

  • You're good to go! You can already top up your account and start using your virtual card.

Choose to pay for your N26 Smart, You or Metal account annually and you’ll save 20% — that’s a premium N26 account at much less of a premium.

The free online bank account

The N26 virtual card.
Virtual Card
  • Apple Pay & Google Pay
  • Free payments worldwide
  • Up to 3 free ATM withdrawals per month
  • *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.

Save + spend with premium perks

N26 You card, Rhubarb.
All benefits of N26 Standard, Plus
  • A physical and virtual card
  • Up to 5 free ATM withdrawals per month
  • 10 Spaces sub-accounts
  • Phone support 7 days a week

Travel with premium perks

N26 You card, Petrol.
All benefits of N26 Smart, Plus
  • Unlimited free withdrawals in foreign currencies
  • Insurance for delay and theft of luggage
  • Medical emergency cover
  • Emergencies when travelling

Our most premium plan

N26 Metal - Charcoal Black.
All benefits of N26 You, Plus
  • An 18-gram metal card
  • Up to 8 free ATM withdrawals per month
  • Purchase protection
  • Priority customer hotline

How do I verify my identity?

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.

How do I open an N26 bank account?

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.