Your bank account with passport
Bank, save, and invest in one beautifully simple app trusted by millions. No paperwork. No hidden fees. 100% mobile.Open bank account with passport
Risk indicator for all N26 accounts.
1
/6
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
Why you’ll love N26
100% mobile
Open your account and bank on your smartphone.
Fee-free banking
Plans start from €0pm*, with no hidden fees.
Virtual Mastercard
Start banking right away with your free virtual Mastercard.
Free withdrawals
Get up to eight free ATM withdrawals per month.
Everything you need in a bank
Grow your money flexibly
Earn interest with Instant Savings, our flexible savings account.
Bank better together
Simplify your shared finances with a free joint account.
Organize your money with Spaces
Go premium and get 10 Spaces sub-accounts.
Send money in seconds with Bizum
Link your Bizum to your N26 account to send and receive money, and pay for purchases using just a phone number.
Security you can trust
Track your spending, get real-time alerts, and enjoy deposit protection** up to €100,000. Bank securely with N26.
N26 operates with a full European banking license, which protects deposits up to €100,000 under EU law. We currently operate in 24 markets worldwide and have over 8 million customers.
N26 operates with a full European banking license, which protects your money up to €100,000 under EU law. With features like 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, we make your security our top priority.
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.
All N26 accounts opened after April 17, 2019 have a Spanish IBAN. This means that, in addition to using your account to withdraw money or make card payments, you can also use it to deposit your salary, direct debits or to manage your daily expenses from the app. Enjoy all the advantages of a 100% mobile account with a Spanish IBAN.
To open an N26 bank account, you must meet the eligibility criteria and an official identity document accepted in the country where you live. If you do, you can simply register via the N26 WebApp on desktop or the N26 app on your smartphone. It only takes a few minutes to open a bank account, and there’s no paperwork involved. You can start using your account right away once your identity is verified.
N26 Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account. N26 Smart, N26 Go, and Metal premium accounts cost a monthly fee. Visit our website for more information and to compare accounts.
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.
In Spain, the risk level of investment products is measured on a numerical scale from one to six. This means that the products marked as 1/6 are considered the safest, and those with 6/6 carry the most risk. As N26 is a member of the Deposit Guarantee Fund for Credit Institutions in Spain, all funds deposited into your N26 bank account — including Instant Savings — are always protected up to €100,000.
*No account management fee for N26 Standard Account. For all other account plans, fees apply. See List of Prices and Services for current fees.
**The money in your N26 bank accounts is protected up to €100,000 by the German Deposit Guarantee Scheme.