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
Open German Bank Account
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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.
Open German Bank Account

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.

See our available plans

Don’t settle for basic banking. There’s an option for everyone—which suits you best?

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • Apple Pay & Google Pay

  • Up to 3 free withdrawals per month

  • Free payments worldwide

  • Chat support 7 days a week

Open a Standard account
BEST ACCOUNT FOR EXPATS

N26 Smart

Save + spend with premium perks

N26 You card, Wheat.

From €3.90/month

All benefits of N26 Standard, Plus:

  • A physical and virtual card

  • Up to 5 free withdrawals per month

  • 10 Spaces sub-accounts

  • Phone support 7 days a week

Open a Smart account

N26 You

Travel with premium perks

N26 You card, Rhubarb.

From €7.90/month

All benefits of N26 Smart, Plus:

  • Unlimited withdrawals worldwide

  • Travel insurance

  • Medical emergency coverage

  • Mobility Insurance

Open an You account

N26 Metal

Our most premium plan

N26 Metal - Slate Grey.

From €13.50/month

All benefits of N26 You, Plus:

  • An 18-gram metal card

  • Up to 8 free withdrawals per month

  • Priority customer hotline

  • Purchase protection

Open a Metal 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.