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.✓ Free account ✓ Fast sign-up process in minutes ✓ 100% app-based banking: no paperwork required ✓ Your finances in your language

Find out what documents you need to open your N26 account

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

A German IBAN

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

With 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 Wise

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.

Contactless Icon

Pay anywhere. Get charged nowhere

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.

Your N26 account with a German IBAN

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.

Fuss-free foreign transfers with Wise

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.

Customer Support — wherever you are

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.
Sign up

Hit the button below and enter your personal details in order to create your account.

Verify your identity

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

Add your card to your wallet

Your N26 virtual debit card is ready to use.

Enjoy your N26 account!

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

N26 accounts — your money deserves an upgrade

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card


  • 2.26% NIR/AER* interest on your N26 Instant Savings

  • Worldwide payments and no foreign transaction fees

  • Up to 3 free domestic ATM withdrawals

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    *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.


N26 Smart

Save + spend with premium perks

N26 You card, Teal.


All benefits of N26 Standard, Plus
  • 2.26% NIR/AER* interest on your N26 Instant Savings

  • Up to 5 free ATM withdrawals per month

  • 10 Spaces sub-accounts

  • Phone support 7 days a week

N26 You

Travel with premium perks

N26 You card, Rhubarb.


All benefits of N26 Smart, Plus
  • 2.26% NIR/AER* interest on your N26 Instant Savings

  • Unlimited free withdrawals in foreign currencies

  • Insurance for delay and theft of luggage

  • Medical emergency cover

N26 Metal

Our most premium plan

N26 Metal - Slate Grey.


All benefits of N26 You, Plus
  • 4% NIR (3.8% AER)* interest on your N26 Instant Savings

  • An 18-gram metal card

  • Up to 8 free ATM withdrawals per month

  • Priority customer hotline

Frequently asked questions

  • How do I verify my identity?
  • How do I open an N26 bank account?