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?

Switch to N26 and get 15 € and more

Want to know why N26 is my trusted bank?
  • Free account, no commissions or conditions
  • Best currency exchange and free payments in any currency
  • Bizum, joint account and savings account
  • Customer service 7 days a week
Open your free account with the code TUBANCON26 and get 15 €.
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Terms and conditions of the promotion

Promotion offered by N26 Bank AG, Branch in Spain, with address at cPaseo de la Castellana 43, 28046, Madrid. Tax identification number (NIF) W2765098E. Promotion valid from 01.03.2025 to 31.12.2025. The promotion applies to new customers who open an N26 Standard, N26 Smart, N26 You and N26 Metal account with the promotional code TUBANCON26. Only one promotional code can be used per customer. When the customer makes a transaction with their Mastercard N26 card of at least €15, they will receive another €15 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.

Say goodbye to fees abroad

With your N26 Mastercard, pay anywhere in the world — for free, no matter how much you spend or what day of the week it is. You’ll also benefit from official Mastercard exchange rates.In addition, with the free Standard account you have 2 free cash withdrawals in the euro zone, and many more with our premium accounts.

Pack your bags and go

Lock and unlock your card, enable or disable payments abroad, and set withdrawal limits on the go — all from your smartphone. No more contacting your bank to let them know you’re traveling.

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.

Customer Support, no matter where you are

No matter what country you’re in, you can reach our Customer Support team 7 days a week via Live Chat in your N26 app.
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Premium accounts with Allianz coverage

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Emergencies when traveling

The N26 Metal policy provides cover for you, your spouse and children in case of a medical emergency abroad, including emergency dental care. You also get access to 24/7 medical phone assistance.

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Baggage coverage and delay insurance

Get covered up to €500 for baggage delays over 4 hours, or up to €2,000 if your baggage goes missing.

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Travel delay and cancellation

We know how inconvenient it can be when business trips don’t go to plan. Thankfully, if your trip is cancelled or delayed for more than 2 hours, you’ll be covered.

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Trip interruption

Get covered up to €10,000 for unused non-refundable trip costs, plus additional accommodation and transportation.

Open you online account with your passport and no conditions

If you've just moved to Spain or are planning a trip to Europe and are looking for a bank where you can manage your money without conditions or fees, you've come to the right place. With N26 you can open your account with your NIE, passport or residence permit once you are in Europe (here is the list of documents we accept). You can also send money instantly with Bizum, make international transfers with Wise, and pay in any currency at no cost.
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illustration of residency.

Travel the world with one eSIM

Set up your travel eSIM once and get affordable data for 100+ destinations.****
Get travel eSIM
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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

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    *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
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