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

No, you’re not dreaming: we finally have Bizum at N26! Few things have made us as excited as announcing that Bizum is now available on N26 accounts with Spanish IBAN. Update to the latest version of the N26 app and find out how you can link it to your account to start sending and receiving money right away!

Woman in a red dress holding a mobile phone with the N26 app and the Bizum logo in the background.
Smartphone with the N26 and Bizum logo.

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.

Your daily spending in just one app

Send money

Payback in the blink of an eye. You only need to have the recipient's phone number!

Receive money

Request the money you’re owed and receive it instantly. No debts will remain unpaid: not even a beer!

Secure shopping with Bizum

Pay quickly, conveniently and securely on e-commerce sites with Bizum.

100% free

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

Woman laying down looking at her mobile and holding a N26 card.

Pay online at your favorite stores with Bizum

Now, thanks to Bizum and N26, you can make online payments faster and more securely. Simply select Bizum as your payment method at checkout, enter your data, and validate the purchase in your N26 app.

N26 Standard: free, no commissions, and now with Bizum

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 3 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.
Woman wearing a red dress and holding a mobile.

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.

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
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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

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.


Currently Bizum can be linked to only one bank account, and doesn’t seem to be willing to open up the relationship (at least for now). Therefore, you can only have Bizum linked to a single bank account.

How much does it cost to make a transfer through Bizum?

Sending, receiving and requesting money through Bizum is completely free.

Which banks operate with Bizum?

In addition to N26, Bizum is also available with the vast majority of banks in Spain. You can find them all here.

What requirements must I meet to use Bizum?

In order to use Bizum you must have a cell phone number, and a bank account with a Spanish IBAN at one of the banks that currently offer Bizum.

How long does it take to get the money to the recipient's account with Bizum?

Bizum’s service is immediate, which means that the money arrives in fewer than 5 seconds to the destination account.

Can I use Bizum with any type of cell phone?

Bizum is compatible with any type of iPhone and with phones that have Android version 5.0 or higher.

If you open your N26 app and click on ‘Send money’, you can activate Bizum by following the portability steps without having to go to your other bank.

How much money can I send through Bizum?

Bizum's limits are as follows:

  • You can make a maximum of 60 money transfers per month
  • The amount of each Bizum transfer cannot exceed €500 or be less than €0.50
  • You can send or receive up to a maximum of €2,000 per day
  • You can send a maximum of €5,000 and receive a maximum of €60,000 per month

Can I cancel a transaction that I have carried out through Bizum?

If the transfer has already been carried out and the money has reached its destination, it is not possible to cancel it.

In your profile within the N26 app you can carry out any procedure relating to Bizum, including unsubscribing from the service.

What should I do if I change my cell phone number?

You will have to verify your new phone number and register again in Bizum, as well as make sure that your contacts have saved your number.

Can I use Bizum on N26 if I am under 18?

No. N26 only offers accounts for people over the age of 18.

How can I pay online with Bizum?

Paying with Bizum in online stores is easy. Simply select Bizum as your payment method, enter your data, and validate the purchase via your N26 app. Then, return to the merchant's website to complete your purchase.

Which businesses accept Bizum payments?

You can pay with Bizum in more than 14,000 online stores—just visit the Bizum website to find a detailed list of all the merchants that accept it. In general, though, if you see the Bizum button on a store’s payment page, this means that Bizum payments are accepted.

Are Bizum payments safe?

Paying online with Bizum offers the maximum security guarantees in accordance with the standards regulated by the European Union and Spanish legislation.

How do I return a product that I’ve paid for with Bizum?

When it comes to returned items, the refund process varies from business to business. Therefore, if you have questions about your refund, it’s best to reach out to the merchant you purchased from directly.

Is paying with Bizum in online stores free?

Paying with Bizum in online shops is completely free for customers, and does not incur any commission costs.

Which ATMs can I use to withdraw money with my physical N26 card?

With your N26 card, you can withdraw money for free from any ATM, regardless of the bank it’s associated with. Some ATM operators may charge you a €2 fee, but don’t worry: you can request a refund by contacting our Customer Support.

If you'd rather avoid paying the fee from the outset, simply use ATMs associated with the 15 banks listed here.

Which ATMs can I use to withdraw money with my virtual N26 card?

If you have a virtual N26 card rather than a physical one, you can withdraw money at any ATM enabled with NFC technology. All you have to do is place your smartphone near the ATM’s contactless scanner, enter your PIN number, and then enter the amount you’d like to withdraw. That’s it!

How do I deposit money into my N26 account?

You can deposit money into your N26 account using Cash26. This feature allows you to deposit and withdraw money at 1,255 stores in Spain — as well as Austria, Italy, Grece and Germany — right from your N26 app. Withdrawing money with Cash 26 is free, while deposits carry a charge of 1.5% — with a minimum of €50 and a maximum of €999 per day.

What documents do I need to open an N26 account?

To open an N26 bank account, you’ll need an official identity document accepted in the country where you live. For more information about the requirements for opening an N26 account, visit this link.

Are N26 plans subject to service charges?

In short, no — N26 bank accounts don’t have service charges, or fees for opening or closing an account. If you decide to open a premium N26 Smart, N26 You, or N26 Metal account, you’ll have to pay a monthly membership fee, but you still won’t pay any of the fees mentioned above. Also, with the N26 Smart account, you won’t have to pay fees for withdrawing cash from ATMs in Europe, and with N26 You and N26 Metal, you can withdraw money from anywhere in the world for free.

What type of cards does N26 offer?

N26 only offers debit cards. This means that if you’re looking for a credit card, an N26 account may not be the best option for you.