N26 for expats—open a bank account in Germany, without a word of German.
Open a German bank account without any paperwork or bureaucracy, and without even needing to speak German. Perfect for expats, foreigners and non-residents from abroad. Open your account now directly from your smartphone in under 8 minutes.
What you get with N26
A European IBAN
Pay rent, get paid, and settle your finances like other Europeans do. We’ll give you one immediately after opening your account.
The N26 Mastercard—for free
Most banks in Germany charge extra for a debit card, making it difficult to make online purchases. The N26 Mastercard is accepted all over the world—together with other great benefits.
Foreign currency transfers: in a few taps with TransferWise
Send money in 19 currencies with just a few taps with our partner Transferwise. Everything happens in-app—without a piece of paperwork. With a low percentage fee, Transferwise is up to ten times cheaper than sending money with normal banks.
Pay anywhere. Get charged nowhere.
Use your Mastercard anywhere in the world—for free. We don’t charge a foreign transaction fee. Whether it’s Mongolian tögrögs or Mexican pesos. It’s all the same to us.
Arrive smoothly in Germany.
Open your N26 account in 8 minutes. And get on with what really matters.
Frequently Asked Questions
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.
How do you verify my identity?
After you have validated your email address, you'll either verify your identity via a video call in the N26 app or use your camera to photograph yourself and your ID. You can see what type of IDs we accept here.
Fees: how much does it cost to withdraw money?
With CASH26, you can withdraw money with our 9.000 partners as often as you want for free. If you want to withdraw money from an ATM, we recommend using your Mastercard. Under our Fair Use Policy, we cover the transaction fees for up to 5 withdrawals per month. Each additional withdrawal costs €2. For withdrawals using your Maestro card, we charge a fee of €2 for each withdrawal. For information outside of Germany, you can find a detailed overview here.