Risk Indicator corresponding to the bank account N26 Standard


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 with Forbes best bank logo.
Virtual card.

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 3 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 2.26% AER — 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:

  • 2.26% AER interest calculated daily, paid monthly
  • No minimum deposit
  • No conditions or fees
  • Instant access
  • Available with free and premium N26 bank accounts

Start saving now
The image shown an interest rate of 2.26% with a woman in the background.

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.

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.

Instant payment.

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

How to save money with Spaces

Make saving a breeze with N26 Spaces and Shared Spaces sub-accounts, available with every N26 premium subscription. Automatically stash funds aside from your main account with Rules, or turn on Round-Ups to save up the spare change in your chosen space with every card transaction.

Living in a shared household, or making group plans? Try creating a Shared Space to easily manage your money together with other N26 customers.

Open bank account

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.

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.

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.

Smartphone and an N26 card.
Hand showing a rhubarb colored N26 card and next to a mobile with the N26 application open.

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
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

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 just 8 minutes. 100% online. 100% transparent. 100% convenient banking—right at your fingertips.

TIN 0% and APR: 0%.

Frequently asked questions

What is N26?

Launched in 2015, N26 is a bank operating with a full European banking license. We currently operate in 26 markets worldwide and have over 5 million customers.

Is N26 secure?

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.

What do I need to open an N26 Standard bank account?

To open an N26 Standard bank account, you need to:

You can find further information here.

How to open a free N26 bank account?

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.

What are the benefits of using the free checking account?

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 3 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.

How much does it cost to open a N26 bank account?

The N26 Standard bank account is free! There are no maintenance fees, no minimum deposits, and no minimum account balance.

Can I manage payments and receive incoming funds from public institutions with my N26 account?

N26 is not a collaborating entity of Seguridad Social or the Agencia Tributaria, an essential requirement to process public aid. Therefore, it’s not currently possible to process these types of transactions with your N26 account. Although you currently can’t either pay your taxes from your N26 account (self-employed quota, VAT, etc.), or receive benefits (pensions, unemployment benefit, Minimum Life Income, etc.) you can receive tax refunds into it—for example, tax returns.

We’re working to offer a solution in the near future, and make our customers’ day-to-day easier.

Which Spanish bank can I switch from?

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.