Risk indicator for all N26 accounts.
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.
Still don't know N26?

The bank ESN recomends

If you just moved to Spain or are about to and you need a bank account, N26 is the bank ESN recommends to you:
  • Free account 100 % online
  • Free transfers with Bizum & Wise
  • Free payments in any currency
  • Free withdrawls in the Eurozone
Open your free account with the code ESNESPAÑAN26 and get 20 €.Read on to find out more!
Open free bank account

Terms and conditions of the promotion

Promotion offered by N26 Bank AG, Branch in Spain, with address at Paseo de la Castellana 43, 28046, Madrid. Tax identification number (NIF) W2765098E. Promotion valid from 01.05.2025 to 30.06.2025. The promotion applies to new customers who open an N26 Standard, N26 Smart, N26 You and N26 Metal account with the promotional code ESNESPAÑAN26. Only one promotional code can be used per customer. When the customer makes a transaction with their Mastercard N26 card of at least €20, they will receive another €20 in their account within one to two business days. The customer can upgrade to a premium membership, and can close their account at any time.

Your bank for travelling

With N26's no strings attached bank accounts you can pay without fees in foreign currencies anywhere in the world, withdraw money at ATMs in the Eurozone, block and unblock your card in seconds, and much more. We also assist you if you have any problems with Customer Service 7 days a week through the app, and if you want even more security, you can take out Allianz coverage with our premium accounts N26 Go and N26 Metal.
A person checking their bank balance on their phone in a car.

N26 Standard: free, no commissions, Bizum included

 If you thought that 100% free and commission-free bank accounts didn’t exist anymore, that's because you haven't heard of N26 Standard yet. Get a free virtual Mastercard and enjoy two free cash withdrawals per month. Receive notifications after every transaction on your account and control your money wherever you are — no headaches.
Get N26 Free account
Image of a N26 transparent standard card.

All in one app

N26 combines everyday banking and investing in a seamless way. That means you can manage your stocks, ETFs, and crypto portfolios without having to download another investment app. With N26, all the tools you need to build your financial wealth are in one place.

Hand holding a mobile with the N26 app open and showing the account balance and Stocks and ETFs balance.

Security you can bank on

N26 is a fully licensed German bank. That means we have the same security regulations as any other bank. It also means your funds are protected up to €100,000 by the German Deposit Protection Scheme.

N26 accounts — your money deserves an upgrade

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • 0.5% NIR/AER* interest on your N26 Instant Savings

  • Worldwide payments and no foreign transaction fees

  • Up to 3 free domestic ATM withdrawals

  • -

    *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.

Open a Standard account
POPULAR

N26 Smart

Save + spend with premium perks

N26 You card, Teal.

€4.90/month

All benefits of N26 Standard, Plus

  • 0.3% NIR/AER* interest on your N26 Instant Savings

  • Up to 5 free ATM withdrawals per month

  • 10 Spaces sub-accounts

  • Phone support 7 days a week

Open a Smart account

N26 Go

Travel with premium perks

N26 You card, Rhubarb.

€9.90/month

All benefits of N26 Smart, Plus

  • 0.1% NIR/AER* interest on your N26 Instant Savings

  • Unlimited free withdrawals in foreign currencies

  • Insurance for delay and theft of luggage

  • Medical emergency cover

Open a Go account

N26 Metal

Our most premium plan

N26 Metal - Slate Grey.

€16.90/month

All benefits of N26 Go, Plus

  • 1.5% NIR (1.3% AER)* interest on your N26 Instant Savings

  • An 18-gram metal card

  • Up to 8 free ATM withdrawals per month

  • Priority customer hotline

Open a Metal account
Open free bank account