Risk indicator for the bank accounts N26 Standard, N26 Smart, N26 You, N26 Metal, and N26 Instant Savings account.
1/6
1/6 This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
Love your bank
Welcome to the future of banking — beautifully simple, 100% mobile, and trusted by millions.
The free bank account that makes life easy
Not a fan of waiting times, hidden fees, or paperwork? Us too. Get a bank account with a virtual card and 24/7 support — and manage your money on the go.
Open N26 Standard Account
Your N26 account with Spanish 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.
Grow your savings by 2.26% AER — only with N26
With N26 Instant Savings, your savings can earn you interest — and you can still dip into it whenever you need. Join N26 and start growing your savings:
- 2.26% AER interest calculated daily, paid monthly
- No minimum or maximum deposit limits
- No conditions or fees
- Instant access
- Available with free and premium N26 bank accounts
Send and receive money instantly with Bizum
Bizum is available in all N26 accounts so you can send, receive and request money immediately, only with the recipient's phone number. In addition, you can also make payments through Bizum in electronic stores that allow it. Open your N26 account and enjoy all the advantages of a 100% online bank, now with Bizum included!
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
The free bank account for your day-to-day needs
As a collaborating entity of Spain’s Social Security, you can have your benefits paid directly into your N26 account when you have a Spanish IBAN. Open your free bank account and start receiving your parental leave payments, unemployment benefits, and other financial support.
N26 Smart—spend and save with confidence
We’re introducing N26 Smart, the new premium bank account with all the tools you need to manage your account. Save up and budget better with 10 Spaces sub-accounts, and share them with up to 10 other N26 users thanks to Shared Spaces. Get a Mastercard in your choice of color and call Customer Support phone line, whenever you need. You can also get a full overview of your monthly expenses with N26 Insights, the best way to understand your spending habits.
Get Insights into your spending habits
Not sure where all your money's going? Our Insights feature automatically categorizes your spending in real time. Track regular expenses, keep a pulse on your costs, and spot opportunities for savings. Everyday budgeting has never been easier.
Learn about budgeting
How to save money with Spaces
Make saving a breeze with N26 Spaces and Shared Spaces sub-accounts, available with every N26 premium subscription. Automatically stash funds aside from your main account with Rules, or turn on Round-Ups to save up the spare change in your chosen space with every card transaction.
Living in a shared household, or making group plans? Try creating a Shared Space to easily manage your money together with other N26 customers.
Manage sub-accounts with N26Push-notifications with your account activity
Stay up-to-date. Get a push notification immediately after all account activity, including card and mobile payments, ATM withdrawals, direct debits and transfers.
Discover our Business Mastercard for freelancers
N26 Business is free to open online, with no account management fees. It’s the easiest business bank account to open if you’re a freelancer or you’re self-employed.
- Spanish IBAN
- 0.1% cashback
- Fast sign-up process
- 100% app-based banking: no paperwork required
Make payments the easy way with Apple Pay
Tired of carrying your wallet around? We get it—which is why you can link your N26 Mastercard to Apple Pay for effortless payments right from your smartphone. Apple Pay lets you make secure, contactless payments online, in stores, or even in-app. Each transaction is verified by touch or face ID, and takes place in real-time. It’s the simple, safe, 100% mobile way to pay.
Try Apple Pay
Discover a new banking experience
Open your free N26 bank account from your phone. Just download the app and sign up in a few minutes.
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Smart: TIN 0%, APR: -1.17% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €4,90/month. The settlement of the account is made monthly.
You: TIN 0%, APR: -2.35% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €9,90/month. The settlement of the account is made monthly.
Metal: TIN 0%, APR: -3.98% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €16,90/month. The settlement of the account is made monthly.