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.
Get a free Mastercard virtual card, accepted worldwide
Add your debit Mastercard virtual card to Apple Pay or Google Pay, and easily pay contactless with your phone in stores, in apps, and online. Plus, enjoy 2 free withdrawals per month in Spain at any ATM with a contactless card reader. Prefer to have a card to hold on to? Simply order a physical Mastercard debit card for a one-time €10 delivery fee.
Learn about Mastercard debit card
Grow your savings by 1.5% AER/NIR* — only with N26
With N26 Instant Savings, your savings can earn you interest — and you can still dip into it whenever you need. Join N26 and start growing your savings:
- 1.5% AER/NIR* interest calculated daily, paid monthly
- No minimum or maximum deposit limits
- No conditions or fees
- Instant access
- Available with free and premium N26 bank accounts
Start saving now
Stocks and ETFs the simple way
How about investing in your future without having to leave your banking app? With N26, you can buy stocks and ETFs right from your phone. Get 15 free trades every month when you upgrade to N26 Metal — and 5 with N26 You.
Discover Stocks and ETFs
Send and receive money instantly with Bizum
Bizum is now available in all N26 accounts so you can send, receive and request money immediately, only with the recipient's phone number. In addition, you can also make payments through Bizum in electronic stores that allow it (available from October 5th). Open your N26 account and enjoy all the advantages of a 100% online bank, now with Bizum included!
Money management made easy
3D Secure for online payments
Shopping online? Your free bank account is equipped with Mastercard’s 3D Secure (3DS)—an advanced two-factor authentication step that keeps your money safe.
3D Secure
Real-time push notifications
Stay on top of all account activity with instant push notifications on your phone. Be alerted in seconds for every incoming and outgoing payment.
Biometric log in
Always forgetting passwords? Quickly and securely log in to your free bank account by using fingerprint identification or FaceID to verify your identity.
Free instant bank transfers
Make free real-time bank transfers to other N26 customers with MoneyBeam, and receive incoming payments in seconds with SEPA Instant Credit Transfers.
Your money is safe with deposit protection
N26 is a German bank operating in Spain with a full European license, giving you the best of both worlds. Get a Spanish IBAN for all your local payments, and rest assured with the German Deposit Protection Scheme—the funds in your free bank account are guaranteed up to €100,000.
Learn more
Make international money transfers with Wise
Send money in 38 different currencies using the Wise feature built inside the N26 app and save up to 6 x more than you might with traditional banks.
Banking on the big screen
Banking from your home or the office? If you prefer a bigger screen, you can also access your free bank account from the N26 WebApp for desktop.
Fuss-free tax preparations
Export your transaction history as a CSV or PDF file from the N26 WebApp, and download your bank statements at any time on your N26 app.
N26 Smart—spend and save with confidence
We’re introducing N26 Smart, the new premium bank account with all the tools you need to manage your account. Save up and budget better with 10 Spaces sub-accounts, and share them with up to 10 other N26 users thanks to Shared Spaces. Get a Mastercard in your choice of color and call Customer Support on the phone whenever you need. You can also get a full overview of your monthly expenses with N26 Insights, the best way to understand your spending habits.
Discover N26 Smart bank account
Real Customer Support—in 5 languages
Have a question? Our N26 Customer Support specialists are here to assist you in English, Spanish, German, French, and Italian. Start a chat with us in your N26 app, or visit our Support Center to quickly find answers to frequently asked questions.
Visit our Support Center
TIN 0% and APR: 0%.
*1.25% AER (1.25% 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 187.50 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 before February 6, 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 February 5, 2025.
2.05% AER (2.25% annual NIR). With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, discounting the annual amount of the subscription to the N26 metal category of 202.80 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,047.2 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 before February 6, 2025, 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 February 5, 2025.
Frequently asked questions
- Be at least 18 years old
- Be a resident of a supported country
- Have a compatible smartphone
- Not already have an existing N26 account
- Have a supported ID document, applicable to the country that you’re a resident in.
Launched in 2013, N26 is a bank operating with a full European banking license. We currently operate in 24 markets worldwide and have over 8 million customers.
As a bank, N26 is supervised by the Financial Markets Regulator and meets all European regulatory requirements. Our clients' funds are guaranteed up to €100,000 by the Deposit Protection Fund. In addition, the N26 app has many features to ensure the security of its users' bank accounts and data.
To open an N26 Standard bank account, you need to:
To open your free online N26 Standard bank account, you must meet the eligibility criteria. If you do, simply sign up via the N26 website, or download the N26 mobile app onto your compatible smartphone.
Opening your N26 Standard bank account requires no paperwork, and only takes a few minutes. Just remember to have an official ID ready—once we’ve verified your identity, your N26 Standard bank account will be ready to use right away.
Your N26 Standard bank account is 100% mobile and free of charge, adding extra flexibility and convenience to your everyday. No more visiting bank branches, waiting in queues, or inconvenient opening hours. You can send, receive, and manage your money all in one app for free—from anywhere, at any time.
You’ll get a free Mastercard virtual card to pay with your smartphone in-stores, online, and in apps using Apple Pay or Google Pay. You can also withdraw cash for free 2 times per month at any NFC-enabled ATM with the contactless symbol. Plus, enjoy learning about your spending habits with Insights, a smart tool that automatically categorizes your spending in real time.
The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, the N26 You bank account costs €9.90 per month and the N26 Metal account is available for €16.90 per month, with a 12-month commitment period. To open an N26 account, no deposit or minimum income is required.
Yes, N26 is a collaborating entity with Social Security, which is essential to be able to process public benefits and pay some taxes, so you can process these types of benefits with N26 accounts. This means that it is possible to pay some taxes from your N26 account (such as self-employment tax, VAT, personal income tax, etc.), and to collect social benefits (such as pensions, sick leave, unemployment or family benefits, Minimum Living Income, etc.).
We continue to work to make our customers' day-to-day life easier through beautifully simple banking.
You can easily switch your bank account to N26 from almost every Spanish bank! Just type in the name of your current bank, whether it’s Bankia, BBVA, Santander, ING, Sabadell or CaixaBank. Discover how to switch banks with our tool to facilitate the process.
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