N26 Smart — the clever everyday bank account
This plan has intelligent features that give you more control of your spending, saving, and budgeting.
Risk indicator for all N26 accounts.
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N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
The power is in your hands
Here’s an at-a-glance look at the pro tools you get with Smart.
Every cent in its Space
Stay organized with up to 10 Spaces sub-accounts. They’re great for dividing your money to save for specific goals, or setting aside funds for expenses.
Discover N26 Spaces
Investing made simple
Buy crypto** and invest in stocks and ETFs right in your N26 app.***Want to build your portfolio faster? Upgrade to N26 You or Metal to get 5 or 15 free trades in stocks and ETFs every month.
Discover investing
Plastic or pixels — why not both?
Paying is easy, whichever card you use. You get a free physical Mastercard debit card with N26 Smart, in addition to a free virtual card you can add to your digital wallet immediately.
Show me virtual cards
TIN 0%, AER: -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 Bank AG, Sucursal en España with NIF W2765098E, is a permanent establishment in Spain of the German entity N26 Bank AG, registered at the Bank of Spain with entity number 1563 and head office at Paseo de la Castellana 43, 28046, Madrid. N26 Instant Savings account from 0 euros and without limit of amount.
*1 % AER (1 % 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 150 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, 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 March 13, 2025 when this promotion will expire. See conditions at https://n26.com.
**Investing in crypto-assets is not regulated, may not be suitable for retail investors and the full amount invested may be lost. It is important to read and understand the risks of this investment which are explained in detail at this location: n26.com/en-es/crypto-risks. The statements above do not constitute investment advice or any other advice on financial services or financial instruments. The values and returns depicted above in the images are fictional and are for illustrative purposes only.
***All investments carry a risk of loss of principal. Equities, ETFs and Ready-made funds can be subject to large fluctuations in value. The amounts invested are not guaranteed and a complete loss of the investment is possible at any time. Past performance is neither a reliable indicator nor guarantee of future performance. These products are not suitable for all investors, and clients should ensure that they are sufficiently well-informed before carrying out any transactions. The information contained in this message is intended for general purposes only and does not constitute investment advice or any other advice regarding financial services or financial instruments (Equities, ETFs and Ready-made funds). It also does not constitute an offer to enter into a contract for the purchase or sale of financial instruments. The service of receiving and transmitting orders for financial instruments is exclusively available to clients of N26 Bank AG. The N26 broker service is provided via the N26 app in partnership with and through Upvest Securities GmbH.
- You’re at least 18 years old
- You’re a resident of one of the supported countries
- You have a compatible smartphone
- You don’t have an account with N26 yet
- You have a supported ID document on hand, which is valid in your country of residence
- You’re able to verify yourself in one of our supported languages: English, German, Spanish, Italian, or French
Simply open your N26 Smart bank account via the N26 app on your smartphone or using the N26 web app on desktop. You must meet the following criteria:
To open your N26 Smart bank account, you must meet the eligibility criteria. If you do, you can simply register via the N26 web app on desktop or the N26 app on your smartphone. It takes just minutes to open a bank account, and there’s no paperwork involved. You may start using your account right away once your identity is verified.
For more information on how to open your N26 Smart account, and a list of your required documents, visit our Support Center.
You can open your online bank account with N26 in minutes from your phone or the N26 web app. There’s no paperwork or waiting times. But best of all: once your N26 bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
N26 Smart is a bank account that comes with a physical N26 Mastercard debit card, up to six virtual cards, and three free domestic ATM withdrawals per month. As an N26 Smart customer you’ll also have access to innovative banking features that make saving and managing your finances easier. Thanks to Insights, you’ll also always have a detailed overview of all your spending.
Budgeting and saving is simple with N26 Smart. Create up to 10 sub-accounts with Spaces, including Shared Spaces to save and spend with others. You can even link a virtual card to a Space to spend directly from it.
With N26 Smart you can also have a flexible Instant Savings account that lets you grow your money and access it when you need it. Interested in investing? Build your portfolio with crypto, stocks and ETFs right in your N26 app.
You can find the full details in the N26 Smart Terms and Conditions.
The N26 Smart bank account is a yearly subscription and costs €4.90 a month.
N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a Smart customer, create up to 10 Spaces sub-accounts in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund.
Try using Rules to automatically set your bill money aside to a Space. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account. You can also link a virtual or physical card to a Space to make payments directly from it.
If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other N26 customers. Find out more about Spaces and Shared Spaces here.
You can only have one active N26 account in your name. Currently, it’s not possible to have two N26 accounts under the same name. This means that you can’t have a private N26 bank account and an N26 business account at the same time.
N26 offers a free account switching service through our partner, finleap connect. Requesting to switch takes only 10 minutes, and you can switch your bank account to N26 from almost every bank in Spain. To learn more, head to our account switching service page.
Do you love your N26 online bank account so much that you want to invite friends to discover the benefits too? In Spain, you can invite others to N26 and receive a bonus if they open an account. Go to My account > Useful actions > Invite your friends in your N26 app to get your invite link and learn more. Share your link with anyone you want to introduce to N26, so they can use it to open their new bank account. Find more information on our website.
Looking for a bank account that includes a credit card? This isn’t something that we offer at the moment — our online bank accounts come with debit cards. With an N26 debit card, you can pay online, in apps, and in stores, as well as withdraw cash free-of-charge at ATMs throughout Spain. Link your N26 card to Apple Pay or Google Pay and easily pay with your phone. Just like a credit card, your Mastercard debit comes with a card number, CVC, and expiration date, but there are also a few differences. Learn more in our guide.
Our N26 Smart account includes a physical Mastercard debit card, available in your choice of five colors. Plus, you can also get a free virtual card with its own card number — for even more safety when you’re shopping online.
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