N26 bank account: why it´s better for you than ING

Here you have some reasons to choose N26 over ING´s 'Sin Nómina' account, with the plus of having a bank account on your smartphone.

Compare N26 and ING

Differences between the two accounts.

Table comparing N26 bank account and ING Cuenta Sin Nómina account
Feature descriptionN26ING
/ year

The free N26 bank account for everyone

Open Account

If the requirements are not met

N26 vs ING: Requirements
Feature enabled for this productOnly if the requirements are met. If not, 20€/year
NoneReceive an initial transfer of more than 600€ (in order to activate the account) + Receive more than 600€/month
N26 vs ING: ATM withdrawals in foreign currency
1,7%2€ + 3%
N26 vs ING: Tranfers in foreign currency
Foreign currency fee
0,5%0,60% minimum 18€ (SHA) or 0,7% minimum 35€ (OUR)
Waiting period
1-2 days7 days

The N26 bank account is a free account, without minimum usage requirements or conditions, which allows you to manage your finances in a clever way. You control your money: pay abroad without commissions, transfer money to other currencies at a much lower cost than other banks, and enjoy the convenience of always carrying your bank with you on your mobile.

Travel, stay at home, buy and control your money. The N26 bank account is comfortable both for traveling the world and for your day to day.

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Open a new N26 bank account from your phone or computer in an easy, paperless signup process.

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Source: ING´s webpage and Customer Service (March 2018)