Risk Indicator corresponding to the bank accounts N26 Standard, N26 Smart, N26 You and N26 Metal

1/6

This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.

Entity attached to the German Deposit Guarantee Fund. The fund guarantees deposits on money up to 100,000 euros per owner of the European Union and entity.

Open a Spanish bank account in English with zero paperwork

Open your bank account from your phone and start enjoying the benefits of controlling all your finances in one app.

✓ Free bank account
✓ Spanish IBAN
✓ 100% app-based banking: no paperwork required
✓ Your finances in your language

1
Register from your phone
2
Verify your identity through a videocall
3
Receive your N26 virtual Mastercard and activate it from the app
4
Enjoy the bank the world loves to use

A Spanish IBAN

Pay rent, get paid, and settle your finances. We’ll give you a Spanish IBAN immediately after opening your account.

N26 Mastercard

Your free virtual contactless N26 Mastercard debit card is accepted all over the world. If you need, you can order a debit Mastercard. You'll only have to pay the delivery fees.

Foreign currency transfers: in a few taps with TransferWise

Send money in 38 currencies with just a few taps with our partner Wise. Everything happens in-app without a piece of paperwork. Wise is up to ten times cheaper than sending money with normal banks.

Pay anywhere. Get charged nowhere

Pay using your virtual Mastercard anywhere in the world—for free. We don’t charge foreign transaction fees. Whether it’s Mongolian tögrögs or Mexican pesos, it’s all the same to us.

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

Arrive smoothly in Spain

Open your N26 account in minutes. And get on with what really matters.

Frequently asked questions

How do I verify my identity?

After you've validated your email address, you'll have to verify your identity via a video call through the N26 app. You can see what type of IDs we accept here.

How do I open an N26 bank account?

You can open a N26 account if you’re at least 18 years old, living in one of these countries, and own a compatible smartphone. To start the sign-up, simply create an account in the N26 app or on the N26 website and confirm your email address. You can then introduce yourself with your ID directly in the app and then pair your smartphone with your account.

How do I get a Spanish IBAN?

If you're a resident of Spain and meet the requirements of opening an N26 bank account, you will be assigned an IBAN starting with ES when you successfully complete the signup process.

Smart: TIN 0%, APR: -1.17% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €4,90/month. The settlement of the account is made monthly.

You: TIN 0%, APR: -2.35% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €9,90/month. The settlement of the account is made monthly.

Metal: TIN 0%, APR: -3.98% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €16,90/month. The settlement of the account is made monthly.