Still hate your bank?

N26 gives you €50 for listening to El Sentido de la Birra

Open your free account with the code ELSENTIDON26 and get 20 €. And on top of that, if you make 10 payments with your card in the first month after opening it, we will give you 30 € more. Want to know why N26 is our trusted bank?
  • Best currency exchange
  • No fees on payments worldwide
  • No conditions
  • 24/7 customer service
Open Bank Account

How to get 50 € with your free N26 account

  1. Open your N26 account by entering the code ELSENTIDON26 during the opening process
  2. Then make a transaction of at least €20 with your virtual or physical card.
  3. Part 1 completed! You will receive the €20 on your N26 account within 1-2 business days.
  4. To get the €30 extra make 10 card payments on the first 30 days after opening your account.
  5. Part 2 completed! You'll receive the €30 in your account the next month.
Open Bank Account

Get cashback on travel spending

Use your N26 card to spend at least €250 on hotels, flights, and more within 30 days and get €50 cashback. Sign up by June 15*.
Open an account
A person holding a smartphone showing a vacation budget of €2,100.78 next to a red bank card and a €100 cashback offer.

Terms and conditions of the promotion

Promotion offered by N26 Bank GmbH, Branch in Spain, with address at cPaseo de la Castellana 43, 28046, Madrid. Tax identification number (NIF) W2765098E. Promotion valid from 02.03.2025 to 02.03.2026. The promotion applies to new customers who open an N26 Standard, N26 Smart, N26 You and N26 Metal account with the promotional code ELSENTIDON26. 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. In addition, if you make 10 transactions with your physical or virtual N26 card in the first 30 days after opening your account, you will also be credited with €30 the following month. We consider all card payments at physical or virtual merchants as transactions, regardless of the amount, but not incoming or outgoing transfers, internal movements between accounts, Bizums or MoneyBeams.

La Gira Inversa Contest

The good news doesn't end there. Follow @elsentidodelabirra on Instagram and you'll have a chance to win an additional €500, as well as two tickets to see "El Sentido de la Birra Live." See the full T&Cs of the contest here.
Young man closing his backpack to go hiking. The image also shows a N26 transparent debit card and a mobile phone displaying the N26 banking app.

More interest on your savings with Bizum

Open a free N26 account and link your Bizum to N26 to get 2.25%* AER on your savings. Save flexibly and dip into your savings whenever you like.
Discover Instant Savings
A digital N26 card with a Mastercard logo is displayed above the text "2.79% AER*" on a green background.

Bank, save and invest with just 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.

Open your account for traveling in minutes

Looking for a bank account for travel, or for your everyday life? With N26 you can manage your finances wherever you go, and pay in any currency without fees, whatever the day and whatever the amount: only the official Mastercard exchange rate applies. And the best thing is that it only takes a few minutes to open your account from your cell phone - no paperwork, no queues, no waiting.
Open Bank Account
Portugal flag and barcode.

Grow your savings

With N26 Instant Savings, your savings can earn you interest* — and you can still dip into it whenever you need. No minimum or maximum deposit limits**. Join N26 and start growing your savings
Start saving now
Woman dressed in blue, sitting, and holding her cell phone with the N26 application open. In the foreground, balance in the main account, and in the savings account.

The free bank account for your day-to-day needs

As a collaborating entity of Spain’s Social Security, you can have your benefits paid directly into your N26 account when you have a Spanish IBAN. Open your free bank account and start receiving your parental leave payments, unemployment benefits, and other financial support.

Free trades every month

Explore the possibilities of investing with flexible investment plans and unlimited free trades in stocks and ETFs.***
Discover Stocks & ETFs
Man looking at something, with a pop-up in the foreground saying "5 free trades" and a chart showing the fluctuation of an investment.

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 Bank Account

N26 Summer Travel Booster Promotion T&Cs

Enrollment is available from 19.05.2025 00:00 CEST until 15.06.2025 23:50 CEST. The legal entity offering the promotion (hereinafter: ‘N26’) is the N26 entity identified below that has a contractual relationship with the eligible customer, as applicable:
  • N26 Bank SE, Voltairestr. 8, 10179 Berlin, Germany
  • N26 Bank SE, Spanish Branch, Paseo de la Castellana, 43, 28046 Madrid, Spain
The promotion is only available to new N26 Personal Standard, Smart, Go and Metal customers with their residence in Germany, Austria, or Spain who sign up during the promotion period and receive an info card, email or push notification by N26, informing them about the promotion and their eligibility (hereinafter: ‘eligible customer’). The eligible customer can participate once in the promotion by clicking on the info card, email or push notification informing them about their eligibility and clicking ‘Enrol’ on the in-app landing page for the promotion. If the eligible customer spends EUR 250 or more in card transactions with their N26 Mastercard Debit (‘qualifying transaction’) within the first 30 days after successful enrolment in the promotion, they’ll receive a reimbursement of EUR 50 in cashback. Qualifying transactions must be on travel-related Mastercard Merchant Category Codes (‘MCCs’). A merchant category code (or “MCC”) is a code which identifies which sector a merchant is from. We do not control and cannot change these MCCs. The following MCCs are travel related for the purpose of this promotion:
  • airlines and air carriers (MCCs 3000-3350 and 4511);
  • hotels, motels, resorts (MCCs 3501-3999 and 7011);
  • cruise lines (MCC 4411); and
  • travel agencies or tour operators (MCC 4722)
  • buslines (MCC 4131)
  • trains (MCC 4112)
  • car rentals (MCC 3351-3500, 7512)
  • travel-related arrangement services (5962),
  • campgrounds and trailer parks (7033),
  • motor home and recreational vehicle rental (7519),
  • tourist attractions and exhibits (7991)
ATM withdrawals, transactions to credit accounts (e.g. account top-ups at other banks), betting and casino gambling transactions, cash-like (quasi-cash) transactions such as money or cryptocurrency purchases, and purchases via third-party payment providers such as PayPal do not classify as a Qualifying Transaction and are expressly excluded. The reimbursement will be credited to the eligible customer’s N26 bank account (main account) 3 weeks after the promotion ends. If the eligible customer is an N26 Smart, Go or Metal customer, they have to regularly pay their periodic membership fees. N26 reserves the right to otherwise immediately stop crediting any reimbursements under these T&Cs. If N26 or the eligible customer terminates the N26 Smart, Go or Metal membership or N26 current account contract in line with the applicable N26 account T&Cs during the promotion period, the eligible customer loses the right to receive or claim any reimbursement that has not been paid out before the termination date. The promotion cannot be combined with any other promotional offers of N26. N26 reserves the right to terminate this promotion or perform reasonable changes to the promotion at any time if it notices any abuse of the promotion or violation of these T&Cs. N26 further reserves the right to stop crediting any reimbursements under these T&Cs, if N26 customers undertake to misuse the promotion. The promotion will be subject to the legislation of the country that the N26 entity that the eligible customer has contracted with has its legal seat and to the taxation of the customer´s country of residence. The official language of these T&Cs is the contract language of the current account contract between N26 and the eligible customer (hereinafter: the ‘official language’). Any translation must be considered as a courtesy translation. In case of any discrepancies between the official language of these T&Cs and any courtesy translation, the official language version will prevail.

Privacy Policy for the N26 Summer Travel Booster Promotion

In this Privacy Policy we inform you about the processing of your personal data in connection with your participation in the N26 Summer Travel Booster Promotion (hereinafter: ‘Promotion’). In this context, personal data means any information relating to an identified or identifiable natural person. Participation in the Promotion is voluntary. All data processed in connection with the Promotion, including personal data, will be treated as strictly confidential. I. Data controller The legal entity responsible for the collection and use of personal data in the context of your participation in the Promotion, which acts as the data controller, is the N26 entity that has a contractual relationship with you (‘N26’), as applicable:
  • N26 Bank SE, Voltairestr. 8, 10179 Berlin, Germany
  • N26 Bank SE, Spanish Branch, Paseo de la Castellana, 43, 28046 Madrid, Spain
N26 has appointed a Data Protection Officer, who is accessible at dpo@n26.com. II. Categories of personal data In the context of your participation in the Promotion, we will process your transaction data (e.g. transaction volume and payment method such as online card payment or POS card payment) as well as data we have in the context of our contractual relationship with you, specifically your user ID (this is an N26 customer identifier) and membership data. III. Processing purposes and legal basis The purpose for processing personal data in connection with the Promotion is to provide and execute the Promotion and to comply with the above Promotion T&Cs. N26 will process your personal data based on the execution of the Promotion, according to Art. 6 (1) b) GDPR. IV. Deletion and retention periods For more information on the processing of your personal data including on your rights as a data subject under the GDPR, please refer to the N26 Privacy Policy which can be accessed at any time via the N26 apps or the N26 website.