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

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.

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
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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

  • 2% 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

  • 2% 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 You

Travel with premium perks

N26 You card, Rhubarb.

€9.90/month

All benefits of N26 Smart, Plus

  • 2% 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 an You account

N26 Metal

Our most premium plan

N26 Metal - Slate Grey.

€16.90/month

All benefits of N26 You, Plus

  • 3% NIR (2.8% 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