The bank you’ll love
Money made beautifully simple. Spend, save, and invest in one intuitive app that's trusted by millions.Open free bank accountGet 10% of your card spending back in stock
Until January 6, join N26 and and get up to €100 in stock in one of the world’s most valuable companies.
Learn more
Risk indicator for all N26 accounts.
1
/6
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
Grow your savings by up to 2.3% AER*
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:
- 2.3% AER (2.5% NIR)* for N26 Metal and 1.5% AER* for the rest
- Interest calculated daily, paid monthly
- No minimum or maximum deposit limits**
- No conditions or fees
- Instant access
Start saving now
Social Security
Collect your benefits and pay self-employment fees with your N26 account.
Learn more
N26 Spaces
Not a fan of paperwork? Spend, budget, and save right from your phone.
Discover N26 Spaces
Joint Accounts
Manage your shared finances comfortably with a free account with a unique IBAN.
Open joint account
Get a world of investment choices
Start investing in your future from just €1, right in your banking app. Invest in stocks and ETFs*** or crypto**** — or let the experts do the hard work for you with one of our ready-made funds***. And if you’re looking for a hands-off way to invest every month, you can set up an automated investment plan in just a few taps.
Learn more
N26 accounts — your money deserves an upgrade
MORE INTEREST
N26 Metal
The premium bank account with a metal card
€16.90/month
All benefits of N26 You, Plus
2.3% AER (2.5% NIR)* interest on your N26 Instant Savings
Up to 10 Spaces and 8 free domestic ATM withdrawals
Extended travel, phone, and purchase protection insurance
18-gram metal card
N26 You
The all-in-one account for banking and travel
€9.90/month
1.5% AER/NIR* interest on your N26 Instant Savings
Up to 5 free domestic ATM withdrawals
Up to 10 Spaces sub-accounts
Travel insurance
N26 Smart
The bank account that gives you more control
€4.90/month
N26 Standard
The free account for your everyday banking needs
Virtual Card
€0.00/month
1.5% AER/NIR* interest on your N26 Instant Savings
Worldwide payments and no foreign transaction fees
Up to 2 free domestic ATM withdrawals
Virtual debit card
For more information on the N26 membership plans and Allianz Assistance insurance coverage, please see the plan comparison page and the applicable T&Cs.
What you need to open your N26 account
To make things easier for you, we've put together a quick overview of the documents you need to open your N26 account according to your nationality.
See list of documents
*2.05% AER (2.25% annual NIR). With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, discounting the annual amount of the subscription to the N26 metal category of 202.80 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,047.2 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, for all new customers who open the N26 Savings Account before February 6, 2025, an additional 0.25% bonus will be added to the previously mentioned interest rate. This bonus will be calculated daily based on the annual nominal interest rate until February 5, 2025. See conditions at https://n26.com.
1.25% AER (1.25% annual NIR). With this interest rate, if you maintain a daily balance of 15,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 187.50 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, for all new customers who open the N26 Savings Account before February 6, an additional 0.25% bonus will be added to the previously mentioned interest rate. This bonus will be calculated daily based on the annual nominal interest rate until February 5, 2025. See conditions at https://n26.com.
**N26 Instant Savings has no minimum or maximum deposit limit.
***These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes.
****Investing in crypto assets is not regulated, may not be suitable for retail investors and the entire amount invested may be lost. It is important to read and understand the risks of this investment which are fully explained in this link. The above statements do not constitute investment advice or any other advice on financial services or financial instruments. The values represented above are fictitious and are for illustrative purposes only. N26 Bank operates in Spain through N26 Bank AG, Sucursal en España, with CIF: W2765098E, as an entity authorized by the Bank of Spain with the financial entity code 1563 and registered in the Mercantile Registry of Madrid under Book 37931, page 122. , section 8, Sheet HM 675425 with establishment address at Paseo de la Castellana, 43, 28046 Madrid, Spain. N26 Bank does not offer or provide virtual currency to fiat currency exchange services or custody of electronic wallets by itself. N26 Bank offers a service for the reception and transmission of purchase and sale orders digital assets executed by Bitpanda GmbH (as a digital asset service provider, an investment firm licensed at the FMA, Austria FN423018k and located at Stella-Klein-Löw-Weg 17, 1020 Vienna, Austria).
Related blog posts
These might also interest you
How to save money fast: 17 tips to grow your savings
Whether your financial goals are big or small, these life hacks will help you save money faster.
How to transfer money from one bank to another
SEPA, intra-bank, and inter-bank transfers. Not sure what all this banking jargon actually means? Discover how to best move your money around, explained in simple terms.
A beginner's guide: What is trading and how does it work?
Trading is more than a buzzword or an ‘80s throwback. This article covers what financial trading is and how it works, step by step.
N26 operates with a full European banking license, which protects deposits up to €100,000 under EU law. We currently operate in 24 markets worldwide and have over 8 million customers.
N26 operates with a full European banking license, which protects your money up to €100,000 under EU law. With features like 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, we make your security our top priority.
As a bank, N26 is supervised by the Financial Markets Regulator and meets all European regulatory requirements. Our clients' funds are guaranteed up to €100,000 by the Deposit Protection Fund. In addition, the N26 app has many features to ensure the security of its users' bank accounts and data.
All N26 accounts opened after April 17, 2019 have a Spanish IBAN. This means that, in addition to using your account to withdraw money or make card payments, you can also use it to deposit your salary, direct debits or to manage your daily expenses from the app. Enjoy all the advantages of a 100% mobile account with a Spanish IBAN.
To open an N26 bank account, you must meet the eligibility criteria and an official identity document accepted in the country where you live. If you do, you can simply register via the N26 WebApp on desktop or the N26 app on your smartphone. It only takes a few minutes to open a bank account, and there’s no paperwork involved. You can start using your account right away once your identity is verified.
N26 Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account. N26 Smart, You, and Metal premium accounts cost a monthly fee. Visit our website for more information and to compare accounts.
You can easily switch your bank account to N26 from almost every Spanish bank! Just type in the name of your current bank, whether it’s Bankia, BBVA, Santander, ING, Sabadell or CaixaBank. Discover how to switch banks with our tool to facilitate the process.
In Spain, the risk level of investment products is measured on a numerical scale from one to six. This means that the products marked as 1/6 are considered the safest, and those with 6/6 carry the most risk. As N26 is a member of the Deposit Guarantee Fund for Credit Institutions in Spain, all funds deposited into your N26 bank account — including Instant Savings — are always protected up to €100,000.