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.

Use Bizum with N26

Easy to activate, easy to use, and totally free! Bizum is available to all N26 customers who have an account with a Spanish IBAN. Shop online securely, and send and receive money instantly — even between customers of different banks. All you need to get started is your N26 account and your phone number.
Link Bizum to your N26 account
Woman in a red dress holding a mobile phone with the N26 app and the Bizum logo in the background.

How does Bizum work?

Learning how to use Bizum is a piece of cake. All you have to do is enter your N26 app and link it to your account if you already have it with another bank, or sign up if you are not yet a user. Then, go to the Home screen and click on ‘Send money’ or ‘Receive money’, depending on what you want to do; enter your friend’s phone number and the amount. The money you send will arrive instantly, and the requested money will enter your account as soon as the notification is accepted.
Smartphone with the N26 and Bizum logo.

Your daily spending in just one app

Send and receive money

Payback in the blink of an eye. You only need to have the recipient's phone number, neither to request the money you’re owed and receive it instantly.

Instantly send, receive, and request money from your friends and family who bank with N26 using MoneyBeam.

100% free

Best of all, using Bizum is completely free of charge. Forget about bank transfers and fees with N26 and Bizum!

Pay for your shopping and subscriptions, too

Pay quickly, conveniently, and securely on e-commerce sites with Bizum. And did you know that you can also use it for your subscriptions? Well, now you do!

Do your bit

You can also donate to different NGOs and non-profit organizations thanks to N26 and Bizum, so there’s no need for bank transfers!

Secure online payments – all in one place

Select Bizum as your payment method at checkout to make online payments faster and more securely. You can even pay for and manage subscriptions with Bizum and N26. Set up a subscription on the merchant’s site via Bizum, authorise the payment, and it will appear under 'Bizum Subscriptions' in your N26 app.
Woman laying down looking at her mobile and holding a N26 card.

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 three 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.

What is Bizum?

Bizum is a payment platform integrated into the N26 app that connects your phone number with your bank account. It allows you to send and receive money instantly between customers of different banks, using only the recipient's phone number. With Bizum you can also request money from someone, i.e. send notifications so they pay you what they owe immediately.
Woman wearing a red dress and holding a mobile.

Check out the different N26 accounts

There’s an N26 account for everyone, and more than 8 million customers have already found their perfect match. Discover all the advantages of a 100% mobile, transparent bank with no hidden fees that fits your needs and lifestyle.
Compare N26 accounts

Find out what documents you need to open your N26 account

We aren’t huge fans of paperwork — or of making you waste your time looking for the information you need. To make it easier for you, we explain here in detail what identity documents you need to open your N26 bank account, depending on your nationality.
See list of documents
Hand holding an N26 rhubarb card and in the background the N26 app.

Standard TIN 0 % y TAE 0 %. 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. 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. 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.

FAQs

  • Can I link Bizum to my N26 bank account and a different bank account at the same time?
  • Which banks operate with Bizum?
  • What requirements must I meet to use Bizum?
  • How long does it take to get the money to the recipient's account with Bizum?
  • Can I use Bizum with any type of cell phone?
  • If I already use Bizum with another bank, how can I link it to N26?
  • How much money can I send through Bizum?
  • Can I cancel a transaction that I have carried out through Bizum?
  • How can I unlink Bizum from my N26 account?
  • What should I do if I change my cell phone number?
  • Can I use Bizum on N26 if I am under 18?
  • How can I pay online with Bizum?
  • Which businesses accept Bizum payments?
  • Are Bizum payments safe?
  • Is paying with Bizum in online stores free?