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

Here you have some reasons to choose N26 over Santander 'Día a día' account, with the plus of having a bank account on your smartphone.

Compare N26 and Santander

Differences between the two accounts.

Table comparing N26 bank account and Santander Día a Día account
Feature descriptionN26Santander "Día a Día"
/ month

The free N26 bank account for everyone

Open Account

(if the requirements are not met)

N26 vs Santander: Requirements and conditions
Feature enabled for this productIf the requirements are not met, 8€/month
NoneDirect debit of payroll + 3 receipts + Perform 6 movements on the card
N26 vs Santander: Payments in foreign currency
on payments on foreign currency
None3% debit card // 1% debit card
N26 vs Santander: ATM withdrawals on foreign currency
ATM withdrawal fee
on foreign currency
of withdrawal
N26 vs Santander: Foreign currency transfers
Currency exchange fee
on foreign currency transfers
0,5%0,70% (SHA) or 0,75% (OUR)
per transaction
2€20€ (SHA) or 35€ (OUR)
Waiting period
for the transfer to be completed
1-2 days7 days
N26 vs Santander: Open the account
Less than 8 minutes, from your smartphoneBank branch, or by a phone call
to open the account
NoneTransfer 1€ from another account that you own.

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: Santander´s webpage and Customer Service (March 2018)