Bizum is here!
. Get Bizum x N26
N26 Logo

  • Standard

    A graphic close-up of the front of a silver N26 Debit Mastercard.
    Bank for free

    Smart

    A graphic close-up of the front of a pink N26 Mastercard.
    Bank with more control

    Go

    A graphic close-up of the front of a teal N26 Mastercard.
    Bank at home or on the go

    Metal

    A graphic close-up of the front of a black N26 Metal Mastercard.
    Make a statement
    Compare personal plans

    Business Standard

    A graphic close-up of the front of a silver N26 Business Standard card.
    Freelancers bank for free

    Business Smart

    A graphic close-up of the front of a pink N26 Business card.
    Manage your business with more control

    Business Go

    A graphic close-up of the front of a teal N26 Business card.
    Manage your business on the go

    Business Metal

    A graphic close-up of the front of a black N26 Business Metal card.
    Premium banking with cashback for your business
    Compare business plans
  • Highlights
    CRST-18128_PulseSoft_Banking_Nav-highlight_140x140.
    Banking featuresYour money made simple
    Features
    Mobile planBizumJoint accountMastercardDigital wallets
  • Highlights
    A man smiles while leaning over a box to unpack vinyl records in a bright room.
    Instant SavingsEarn interest flexibly
    Features
    SpacesGuide to interest rates
  • Highlights
    A hand holds a smartphone displaying the N26 investment screen listing popular stocks.
    All investment optionsYour portfolio, your way
    A woman wearing a baseball cap smiles while holding up her smartphone outdoors.
    Stocks and ETFsTrade from €1
    A man wearing a white sweatshirt and a black cap is sitting outdoors in a sunny field.
    CryptoBuy and sell 300+ coins
    A man wearing a white sweatshirt and a black cap is sitting outdoors in a sunny field.
    Ready-made fundsFunds managed by pros
     
    CRST-25202_MMF_Expansion_LP_Thumbnail_140x140.
    Flexible Cash FundMake your money work harder
    Features
    Savings plansAnalyzing stocksGuide to ETFsGuide to stocksInvesting for beginners
  • Highlights
    A smiling man embraces a laughing woman holding a smartphone and keys.
    Credit and loans Extra money made simple
    Features
    Personal loanOverdraftInstallments
  • Highlights
    CRST-18128_PulseSoft_Travel benefits_Nav-highlight_140x140.
    Travel benefits Borderless banking
    A woman with a backpack holds a smartphone while standing on a mountain trail overlooking a city and a peak.
    Travel eSIMData in 100+ countries
    A smiling man sits on the floor next to a backpack and looks at his smartphone.
    Travel Insurance Protección contra imprevistos
    Features
    Exchanging currencyForeign transaction feesUsing your card abroad
Log in
Log in
Open free bank account
N26

Company

  • About us

  • Leadership Team

  • Investor Relations

  • Careers

  • Press

  • Affiliate program

Help

  • Client Service Department

  • File a complaint

  • Support Center

  • Sitemap

  • Ethical Channel

LEARN

  • Blog

  • Banking basics

  • Trading glossary

  • Crypto glossary

  • Taxes hub

  • Studies and research

Money tools

  • Financial calculators

  • Budget calculator

  • 50-30-20 calculator

  • Interest calculator

  • Inflation calculator

  • Moving cost calculator

  • Festive budget calculator

More

  • Student bank account

  • Salary account

  • Basic account

  • Security

  • Refer a friend

  • Expats

  • International money transfers

© N26 SE 2026
Legal DocumentsPrivacy PolicyCookie PolicyImprintUpdate cookie settings
Risk indicator for all N26 accounts.
1/6
This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.

The first online bank you’ll love

  • Free bank account with no conditions
  • Bank, save and invest from just one app
  • Instant Savings, Joint Account, Bizum and more
  • Pay in any currency without fees
Open free bank account
CRST-18128_PulseSoft_Go_LP7-Mobile-754x533_EN.
Risk indicator for all N26 accounts.
1/6
This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.

N26 Standard – the free online bank account

Discover N26 Standard, the free online bank account with zero hidden fees. Sign up online in minutes, and start spending right away with your free virtual debit Mastercard in apps, in stores, and online. Prefer a physical card? Order yours now for a one-off €10 delivery fee.
A payment with a N26 debit card.

2013

Founded

~1,500

Employees

~8 Million

Customers

~1.8 B $

Funding

Your N26 account with Spanish IBAN

We’re a licensed bank, 100% digital and secure. Every N26 bank account is guaranteed by the Compensation Scheme of German Banks up to €100,000.

Send and receive money instantly with Bizum

Bizum is now available in all N26 accounts so you can send, receive and request money immediately, only with the recipient's phone number. In addition, you can also make payments through Bizum in electronic stores that allow it. Open your N26 account and enjoy all the advantages of a 100% online bank, now with Bizum included!
A girl watching his N26 app and happy because she managed to save money with the N26 tools.

Find out what documents you need to open your N26 account

We aren’t huge fans of paperwork — or of making you waste your time looking for the information you need. To make it easier for you, we explain here in detail what identity documents you need to open your N26 bank account, depending on your nationality.
See list of documents
CRST-18128_PulseSoft_Smart_LP2-Mobile-754x533.

N26 Instant Savings account

N26 Instant Savings is an easy-access savings account that’s 100% flexible and available for free in the N26 app. Grow your savings with 1.30% AER* interest — and dip into it anytime you need to.Earn interest on all your savings (no minimum or maximum deposit limits), and instantly withdraw anytime — without losing any interest you’ve already earned. Win-win.
Open free bank account

N26 Smart—spend and save with confidence

We’re introducing N26 Smart, the new premium bank account with all the tools you need to manage your account. Save up and budget better with 10 Spaces sub-accounts, and share them with up to 10 other N26 users thanks to Shared Spaces. Get a Mastercard in your choice of color and call Customer Support phone line, whenever you need. You can also get a full overview of your monthly expenses with N26 Insights, the best way to understand your spending habits.
Discover N26 Smart bank account
Smartphone and an N26 card.

Get Insights into your spending habits

Not sure where all your money's going? Our Insights feature automatically categorizes your spending in real time. Track regular expenses, keep a pulse on your costs, and spot opportunities for savings. Everyday budgeting has never been easier.

How to save money with Spaces

Make saving a breeze with N26 Spaces and Shared Spaces sub-accounts, available with every N26 premium subscription. Automatically stash funds aside from your main account with Rules, or turn on Round-Ups to save up the spare change in your chosen space with every card transaction.Living in a shared household, or making group plans? Try creating a Shared Space to easily manage your money together with other N26 customers.
Discover N26 Spaces
CRST-18128_PulseSoft_Smart_LP4-Mobile-754x533_EN.

Push-notifications with your account activity

Stay up-to-date. Get a push notification immediately after all account activity, including card and mobile payments, ATM withdrawals, direct debits and transfers.

Discover our Business Mastercard for freelancers

N26 Business is free to open online, with no account management fees. It’s the easiest business bank account to open if you’re a freelancer or you’re self-employed.
  • Spanish IBAN
  • 0.1% cashback
  • Fast sign-up process
  • 100% app-based banking: no paperwork required
Discover N26 Business
A man and a woman in business suits sit across from each other at a restaurant table, smiling while having lunch together.

Make payments the easy way with Apple Pay

Tired of carrying your wallet around? We get it—which is why you can link your N26 Mastercard to Apple Pay for effortless payments right from your smartphone. Apple Pay lets you make secure, contactless payments online, in stores, or even in-app. Each transaction is verified by touch or face ID, and takes place in real-time. It’s the simple, safe, 100% mobile way to pay. 
N26 homepage app.

Start banking better

Open your free N26 account and start enjoying beautifully simple banking.
Open free bank account

* 1.30% AER (1.5% annual NIR) with N26 Metal. With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, you will obtain a total gross interest of 1,500 euros (annual cost of the subscription of 202,8 euros). Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com/en-es/legal-documents/savings.

0.50% AER (0.50% annual NIR) with N26 Standard. With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 500 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com/en-es/legal-documents/savings.

0.50% AER (0.50% annual NIR) with N26 Smart. With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 500 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com/en-es/legal-documents/savings.

0.50% AER (0.50% annual NIR) with N26 Go. With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 500 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com/en-es/legal-documents/savings.