N26 Standard — the free bank account you’ll love
Ideal for your everyday needs. Get a virtual card immediately, two free domestic ATM withdrawals per month, and 24/7 chat support.
Cashback that’s worth the trip
Upgrade to an N26 Go or Metal account and get 1% cashback when you pay with your card outside the European Economic Area, UK, and Switzerland — for up to 12 months.*
Open an account
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.
You deserve hassle-free banking
Here’s a quick look at what you get with Standard.
Free virtual card
Pay with a tap of your phone. You may also order an optional physical Mastercard debit card for €10.
Discover your Mastercard
100% digital banking
Get your free online bank account in minutes with no paperwork.
Open bank account
24/7 chat support
Chat to Customer Support in English, French, German, Italian, or Spanish — right in the N26 app.
Visit Support Center
Free ATM withdrawals
Make up to two free domestic ATM withdrawals per month.
Learn about withdrawals
Let’s make this perfectly clear
If you prefer a card you can hold in your hand, order the iconic N26 transparent card for €10.
N26 is simply secure
Pay it safe — we make sure your account is in safe hands.
Security your way
Effortlessly change your PIN, set spending limits, and hide your data in the app.
Extra layers of protection
Biometric authentication and 3D secure keep your account and your money safe.
Lock and unlock your card
Instant control over your card is in your hands.
Bank, save, and invest — in one app
Get interest** on your savings, invest in stocks and ETFs,*** buy crypto,**** and manage your everyday banking — all with N26.
Explore our savings account
Keep track of your budget
The N26 app automatically categorizes your spending to make it easier for you to stay on budget. You also get to see your upcoming payments at a glance so there’s no surprises.
Discover Spaces
Travel the world with one eSIM
Set up your travel eSIM once and get affordable data for 100+ destinations.
Get travel eSIM
Open your account now
Open your N26 bank account in minutes and with no paperwork — from your phone or our website.
Want more? Upgrade to N26 Smart, N26 Go, or Metal to enjoy Spaces sub-accounts, savings automations, insurance, and more.
Open a free bank accountCompare N26 accounts
No account opening, administration or maintenance fees. No deposit or direct debit conditions. See conditions at www.n26.com. 0% TIN, 0% AER.
N26 Bank AG, Sucursal en España with NIF W2765098E, is a permanent establishment in Spain of the German entity N26 Bank AG, registered at the Bank of Spain with entity number 1563 and head office at Paseo de la Castellana 43, 28046, Madrid. N26 Instant Savings account from 0 euros and without limit of amount.
*Eligible spending: Detailed T&Cs for customers who open an account between July 17 and October 15 can be found here: https://n26.com/hb-tc. Detailed T&Cs for customers who sign up before July 17 can be found here: https://n26.com/hb-ex.
For new customers: Eligible transactions include e-commerce transactions classified under travel-related Merchant Category Codes (MCCs) by the merchant’s payment processor. N26 does not control these codes, and some travel-related merchants may not qualify. Also included are point-of-sale, in-person transactions outside the customer’s country of residence during the first 30 days after signing up for the promotion. New customers have until October 15, 2025, to open an N26 Go or N26 Metal account and until October 31, 2025, to sign up for the promotion. Cashback (1%) will be credited to your main account 30 days after the promotion ends.After the initial 30 days, new N26 Go and N26 Metal customers will automatically earn 1% cashback on point-of-sale, in-person transactions made outside the European Economic Area (EEA), UK, and Switzerland for up to 12 months. Cashback will be credited to your main account every 30 days. N26 reserves the right to end the cashback at any time with a 14-day notice.
For existing customers who signed up before July 17: This offer is exclusive to N26 Go and N26 Metal customers. Customers who downgrade will lose the cashback offer. N26 Go and N26 Metal customers will earn 1% cashback on point-of-sale, in-person transactions made outside the European Economic Area, UK, and Switzerland for up to 12 months. Cashback will be credited to your main account every 30 days. N26 reserves the right to end the cashback at any time with a 14-day notice.
For new and existing N26 Business customers: The 1% cashback on the eligible transactions mentioned above comes in addition to the regular purchase cashback of 0.1% for N26 Go Business and 0.5% for N26 Metal Business. Cashback will be credited to your main account every 30 days. N26 reserves the right to end the cashback at any time with a 14-day notice.
**The interest rates vary based on your membership. Interest rates per membership are variable and subject to change any time. Learn more here.
***All investments carry a risk of loss of principal. Equities, ETFs and Ready-made funds can be subject to large fluctuations in value. The amounts invested are not guaranteed and a complete loss of the investment is possible at any time. Past performance is neither a reliable indicator nor guarantee of future performance. These products are not suitable for all investors, and clients should ensure that they are sufficiently well-informed before carrying out any transactions. The information contained in this message is intended for general purposes only and does not constitute investment advice or any other advice regarding financial services or financial instruments (Equities, ETFs and Ready-made funds). It also does not constitute an offer to enter into a contract for the purchase or sale of financial instruments. The service of receiving and transmitting orders for financial instruments is exclusively available to clients of N26 Bank AG. The N26 broker service is provided via the N26 app in partnership with and through Upvest Securities GmbH.
****Investing in crypto-assets is not regulated, may not be suitable for retail investors and the full amount invested may be lost. It is important to read and understand the risks of this investment which are explained in detail at this location: n26.com/en-es/crypto-risks. The statements above do not constitute investment advice or any other advice on financial services or financial instruments. The values and returns depicted above in the images are fictional and are for illustrative purposes only.
- Be over the age of 18
- Live in an eligible country
- Have your own smartphone
- Not yet have an account with N26
- Have a valid ID
- Be able to verify yourself in one of our supported languages: English, German, Spanish, Italian, or French
You must meet the following requirements to open an N26 Standard account:
First, you must meet all the requirements to open your free online bank account with N26. If you do meet all the requirements, then simply sign up for your account via the N26 website or download the app on your smartphone.
There’s no paperwork when you open your N26 Standard online account and it only takes a few minutes. Just have your valid ID on hand. As soon as you’ve verified your identity, you’ll receive your virtual N26 Mastercard and can start using it right away.
N26 Standard is a 100% online free bank account that allows you to manage your daily finances all in one place. Transfer, receive, and manage your money online whenever and wherever you are. Send and receive SEPA Instant Credit transfers from other banks at no extra cost and see the money in your N26 Standard account in seconds. Plus, MoneyBeam lets you send, receive, and request money among other N26 customers, all in real time and completely free.
As soon as you open your account, you’ll receive your virtual N26 Mastercard. Link it to Apple Pay or Google pay and use it for contactless payments in stores, online, or in apps. You can even make up to two free ATM withdrawals per month at any ATM equipped with a contactless reader. If you'd rather have a physical debit card, that's no problem — just order your transparent N26 Mastercard for a one-time delivery fee of €10.
Plus, thanks to the Insights feature, you'll also learn more about your spending habits, which can help you manage your finances even better.
N26 Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account.
You can easily switch your bank account to N26 from almost every Spanish bank. Just type in the name of your current bank into our account switching service. Discover how to switch banks with our free tool.
At N26 we offer the free N26 Standard account. You get an account with no maintenance fees or minimum balance. You also get a virtual Mastercard, which you can use for online purchases and mobile payments via Apple Pay or Google Pay.
You also have the option to open a paid N26 account and get access to more features and benefits. N26 Smart lets you add up to 10 sub-accounts and use innovative savings features, while N26 Go offers travel insurance benefits and free international withdrawals. And with N26 Metal, you get our ultimate premium account, including an elegant stainless-steel Mastercard, smartphone insurance, and priority customer support.
Open your fully mobile, online bank account in minutes — directly from your phone — and start banking from anywhere.
Yes — with N26 Standard, you get a bank account without any maintenance fees. This means that you don’t pay a monthly fee for the account, although you may also incur other costs when using your N26 account. For example, there might be costs for an overdraft interest payment, chargeback fees for direct debits that bounce, or foreign transaction fees. That means that the costs for your N26 account depend on how you use your account and which services you use.
If you’re looking for an account with no maintenance fees and no minimum deposit, our N26 Standard account is perfect for you. You'll benefit from a fully online bank account with a virtual Mastercard that you can use to pay via Apple Pay or Google Pay — both online and in stores. You'll also enjoy access to the Insights feature, which helps you keep better track of your spending and find places where you can save more.
However, with an N26 account, fees may apply for various services. These include, for example, fees for direct debits that bounce or the interest that accrues on an overdraft. You can find more information about the costs of our accounts and services in our detailed price list.
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