Risk indicator for all N26 accounts.

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.

Person in a green suit sitting and holding a mobile phone with the n26 application.

The bank you’ll love

Money made beautifully simple. Spend, save, budget, and invest in one intuitive app that's trusted by millions.

The free bank account for your day-to-day life

Say goodbye to paperwork and hidden fees with N26. Enjoy a completely free and transparent online bank account that fits your lifestyle. Get a Spanish IBAN, Bizum, Customer Support seven days a week, and much more.

Open N26 Standard Account

Put your savings to work

N26 Instant Savings is our easy-access savings account that's 100% flexible. Earn interest on all your savings with no deposit limits and dip into it anytime. Win-win. N26 Metal customers enjoy our highest interest rate of 4% NIR (3.8% AER)*. It’s yet another benefit of our most premium bank account.

Start saving now
The image shown an interest rate of 2.26% with a woman in the background.

Bizum and SEPA

Social Security

N26 Spaces

Marco and Maya hugging outdoor. Marco is holding his N26 card and Maja her mobile. In the foreground, there is a pop up showing the joint account balance of 1.235 euros.

Joint Accounts

Woman sitting on a sofa looking at the N26 app with her dog.

Invest in cryptocurrencies — right in your N26 app

Buy and sell cryptocurrencies with N26 Crypto conveniently and easily — no need to download another app. Choose from nearly 200 coins like Bitcoin, Ether, and Cardano, and start investing from as little as €1. You'll pay just 1.5% commission on Bitcoin and 2.5% on all other cryptocurrencies (or less, if you switch to N26 Metal)**.

Take a look

N26 accounts — your money deserves an upgrade

More interest

N26 Metal

The premium account with a metal card

N26 Metal - Charcoal Black.
€16.90
/month
All benefits of N26 You, Plus
  • 4% NIR (3.8% AER)* 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 debit card for everyday and travel

N26 You card, Petrol.
€9.90
/month
  • 2.26% NIR/AER* 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

N26 You card, Rhubarb.
€4.90
/month
  • 2.26% NIR/AER* interest on your N26 Instant Savings
  • Up to 10 Spaces sub-accounts
  • Customer support hotline
  • Virtual and physical card

N26 Standard

The free online bank account

The N26 virtual card.
Virtual Card
€0.00
/month
  • 2.26% NIR/AER* interest on your N26 Instant Savings
  • Worldwide payments and no foreign transaction fees
  • Up to 3 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.

Refer your friends and earn up to €1,500

Already an N26 customer and like us so much that you'd recommend us? Log in to your N26 app, tap on your profile and scroll down to 'Useful actions,' then select 'Invite your friends.' Share your code with anyone you want, and once your friends open their N26 account and spend €10, you'll both receive your reward.

Invite friends
Hand passing an N26 card to another hand. In the foreground there is the image of 3 faces and a "invite your friends" text.
Woman laying on bed and checking her mobile.

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

*N26 Instant Savings has no minimum or maximum deposit limit. *3.8% AER (4% annual NIR). With this interest rate, if you maintain a daily balance of €100 000 in your N26 Instant Savings account for 12 months, discounting the annual N26 Metal subscription fee of €202.80, your annual remuneration amounts to a gross amount before withholdings and taxes of €3 797.20. Interest is paid monthly. Applicable to any amount deposited in the N26 Instant Savings account, with no maximum limit. See conditions at n26.com.

** Investing in crypto-assets is not regulated, may not be suitable for retail investors, and the full amount invested may be lost.

N26 Standard: No account opening, administration or maintenance fees. No deposit or direct debit conditions. See conditions at www.n26.com. 0% TIN, 0% AER.

N26 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.

N26 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.

N26 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.

Is N26 a bank?

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.

Is N26 secure?

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.

How is N26 protecting my money and personal data?

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.

Does N26 offer a Spanish IBAN?

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.

What do you need to open a bank account?

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.

How much does it cost to open a bank account?

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.

Which Spanish bank can I switch from?

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.

What does “risk level of the product” mean?

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.