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.

N26 Standard

The free bank account with no hidden fees

Discover 100% mobile banking with N26 Standard, the free bank account with a Spanish IBAN for local payments. Say hello to convenient money management from one beautifully simple app, and wave goodbye to hidden fees, branch visits, and pesky paperwork. Open your free bank account online now—all it takes is 8 minutes.
N26 banking app showing a virtual mastercard on a light green background.

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
Virtual card.

Grow your savings by 2% 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:
  • 2% 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
N26 Metal customers enjoy our highest interest rate: 2.8% AER (3% NIR)**. It’s yet another benefit of our most premium bank account.
Start saving now
Woman dressed in blue, sitting, and holding her cell phone with the N26 application open. In the foreground, image of the 2% p.a. interest rate, balance in the main account, and in the savings account.

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
Gymnast wearing teal color clothes and holding a mobile with the N26 app open. In the foregound there is pop up displaying the balance and profitability in the Stocks and ETFs account and Crypto account.

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

Mastercard SecureCode - Icon - N26 Security

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
Notification Icon in teal

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.

Icon for Face ID in Teal

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
Instant payment.

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.
N26 Bank Account Transferwise example transaction.

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
Smartphone and an N26 card.

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
n26 standard card.
n26 metal card.
n26 you card.

Hello convenient banking. Goodbye hidden fees.

Ready to discover why over 7 million customers bank with N26 around the world? Compare bank accounts to check out our premium subscriptions, or open your free bank account now in minutes. 100% online. 100% transparent. 100% convenient banking—right at your fingertips.

TIN 0% and APR: 0%. *2% AER (2% 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 300 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit. See conditions at https://n26.com **2.8% AER (3% 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 202.8 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,797.20 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit.

Frequently asked questions


    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:
    • 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.
    You can find further information here.

    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.