The best bank for expats in Spain.

N26 lets you manage your bank account, spend and set money aside in real-time. All 100% mobile and under one app.Open your account in a few minutes, and start making mobile payments.✓ Free bank account.✓ Free withdrawals.✓ No hidden fees.✓ Pay, send and receive money with Bizum.
Open Spanish Bank Account
Man in a shiny dress sitting and holding a mobile phone displaying the N26 virtual card.
Risk indicator for all N26 accounts.
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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: free, no commissions, and now with Bizum

Discover mobile banking with N26, the free bank account with a Spanish IBAN for local payments. Wave goodbye to hidden fees, branch visits, and pesky paperwork. Receive notifications after every transaction on your account and control your money wherever you are. Get a free virtual Mastercard and enjoy 3 free cash withdrawals per monthSend and receive money instantly between your contacts and pay online with N26 and Bizum.
Open Spanish Bank Account

Your money is safe with deposit protection

N26 is a German bank operating in Spain with a full European license. We’re a licensed bank, 100% digital and secure.Get a Spanish IBAN for all your local payments, and rest assured with the German Deposit Protection Scheme—the funds in your free bank account are guaranteed up to €100,000.
Open Spanish Bank Account

Money management made easy

Mastercard SecureCode - Icon - N26 Security

3D Secure for online payments

Shopping online? Your free bank account is equipped with Mastercard’s 3D Secure (3DS)—an advanced two-factor authentication step that keeps your money safe.

3D Secure
Notification Icon in teal

Real-time push notifications

Stay on top of all account activity with instant push notifications on your phone. Be alerted in seconds for every incoming and outgoing payment.

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Biometric log in

Always forgetting passwords? Quickly and securely log in to your free bank account by using fingerprint identification or FaceID to verify your identity.

Talk to a human

Start a chat with us in your N26 app, or visit our Support Center to quickly find answers to frequently asked questions.

Open Spanish Bank Account

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
Open Spanish Bank Account
N26 Business Bank Account Free Standard see-through Mastercard Ddbitcard with cashback.

2013

Market Launch

24

Countries

~1,500

Employees

~1.8 B $

Invested

N26 accounts — your money deserves an upgrade

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • 2% NIR/AER* interest on your N26 Instant Savings

  • Worldwide payments and no foreign transaction fees

  • Up to 3 free domestic ATM withdrawals

  • -

    *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.

Open a Standard account
POPULAR

N26 Smart

Save + spend with premium perks

N26 You card, Teal.

€4.90/month

All benefits of N26 Standard, Plus

  • 2% NIR/AER* interest on your N26 Instant Savings

  • Up to 5 free ATM withdrawals per month

  • 10 Spaces sub-accounts

  • Phone support 7 days a week

Open a Smart account

N26 You

Travel with premium perks

N26 You card, Rhubarb.

€9.90/month

All benefits of N26 Smart, Plus

  • 2% NIR/AER* interest on your N26 Instant Savings

  • Unlimited free withdrawals in foreign currencies

  • Insurance for delay and theft of luggage

  • Medical emergency cover

Open an You account

N26 Metal

Our most premium plan

N26 Metal - Slate Grey.

€16.90/month

All benefits of N26 You, Plus

  • 3% NIR (2.8% AER)* interest on your N26 Instant Savings

  • An 18-gram metal card

  • Up to 8 free ATM withdrawals per month

  • Priority customer hotline

Open a Metal account
Open Spanish Bank Account
Sign up

Hit the button below and enter your personal details in order to create your account.

Verify your identity

Please have a valid ID at hand. We don't have branches so you can verify your identity within the app.

Add your card to your wallet

Your N26 virtual debit card is ready to use.

Enjoy your N26 account!

You're good to go! You can already top up your account and start using your virtual card.

Frequently asked questions

    Launched in 2013, N26 is a bank operating with a full European banking license. We currently operate in 24 markets worldwide and have over 8 million customers.

    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.

    To open an N26 Standard bank account, you need to:
    • Be at least 18 years old
    • Be a resident of a supported country
    • Have a compatible smartphone
    • Not already have an existing N26 account
    • Have a supported ID document, applicable to the country that you’re a resident in.
    You can find further information here.

    To open your free online N26 Standard bank account, you must meet the eligibility criteria. If you do, simply sign up via the N26 website, or download the N26 mobile app onto your compatible smartphone. Opening your N26 Standard bank account requires no paperwork, and only takes a few minutes. Just remember to have an official ID ready—once we’ve verified your identity, your N26 Standard bank account will be ready to use right away.

    The standard N26 bank account is free and doesn’t charge any opening or maintenance fees. The N26 Smart bank account costs €4.90 per month, the N26 You bank account costs €9.90 per month and the N26 Metal account is available for €16.90 per month, with a 12-month commitment period. To open an N26 account, no deposit or minimum income is required.

    If you open your N26 app and click on ‘Send money’, you can activate Bizum by following the portability steps without having to go to your other bank.

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. N26 Instant Savings has no minimum or maximum deposit limit. 2% AER (2% annual NIR). With this interest rate, if you maintain a daily balance of 15,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 300 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit. See conditions at https://n26.com 2.8% AER (3% annual NIR). With this interest rate, if you maintain a daily balance of €100,000 in your N26 Instant Savings account for 12 months, after the annual N26 Metal subscription fee of €202.80, your annual remuneration amounts to a gross amount before withholdings and taxes of €2,797.20. Interest is paid monthly. Applicable to any amount deposited in the N26 Instant Savings account, with no maximum limit. See conditions at n26.com. To benefit from this offer, you’ll need to open an N26 bank account. After that, you may open a separate N26 Instant Savings account to earn interest alongside everyday banking.