Risk Indicator corresponding to the bank accounts N26 Standard, N26 Smart, N26 You and N26 Metal
1/6
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.
Compare N26 bank accounts in Spain
Find the perfect plan for you
Find the perfect plan for your business
N26 Standard
The free* digital business bank account with cashback for freelancers

€0.00/Month
N26 Smart
The business bank account with cashback and financial tools for freelancers





€4.90/Month
N26 You
The business bank account with cashback and travel perks for freelancers





€9.90/Month
N26 Metal
The premium bank account with cashback and a metal card for freelancers



€16.90/Month
N26 Standard
The free* digital business bank account with cashback for freelancers

€0.00/Month
N26 Smart
The business bank account with cashback and financial tools for freelancers





€4.90/Month
N26 You
The business bank account with cashback and travel perks for freelancers





€9.90/Month
N26 Metal
The premium bank account with cashback and a metal card for freelancers



€16.90/Month
Services and Fees are for anyone who registers with an address in Belgium, Estonia, Finland, Greece, Ireland, Lithuania, Luxembourg, The Netherlands, Portugal, Slovakia, Slovenia, Sweden, Norway, Denmark, Poland, Iceland and Liechtenstein.
For our detailed price list, view PDF here
For more information on Allianz Assistance insurance coverage, please see the General Conditions of the N26 You, N26 Business or N26 Metal account.
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.
Personal Bank Account FAQ
What do you need to open a bank account?
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 8 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.
How old do you have to be to open a bank account?
You’ll need to be at least 18 years old to open a bank account with N26.
How much does it cost to open a N26 bank account?
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.
Are there any additional fees for using my N26 account to make and receive Social Security payments?
There are no additional fees for having your Social Security benefits paid into your N26 account or for paying your monthly social security contributions as a freelancer.
Which Spanish bank can I switch from?
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.
Can I have a personal N26 bank account and an N26 Business bank account at the same time?
No. If you’ll use your account for business purposes we recommend you to open the N26 Business account from the beginning, as it’s currently not possible to have two separate N26 accounts at the same time.
Are N26 plans subject to service charges?
In short, no — N26 bank accounts don’t have service charges, or fees for opening or closing an account. If you decide to open a premium N26 Smart, N26 You, or N26 Metal account, you’ll have to pay a monthly membership fee, but you still won’t pay any of the fees mentioned above. Also, with the N26 Smart account, you won’t have to pay fees for withdrawing cash from ATMs in Europe, and with N26 You and N26 Metal, you can withdraw money from anywhere in the world for free.
What happens with my card if I change plans?
Once you switch to a new premium plan, we'll send you a new debit Mastercard via post. However, the benefits and features associated with your new plan will be active immediately. Once you activate your new card, the card associated with your old plan will be permanently blocked. If you downgrade to an N26 Standard account, your account only includes a virtual card — but you can order a physical debit Mastercard for a one-time fee of €10.
What's the difference between the N26 You and N26 Metal insurance plans?
Both N26 Metal and You accounts offer travel insurance. This includes coverage for travel delays, baggage delay, baggage loss coverage, emergencies while traveling, trip cancellation and interruption, and personal liability insurance. With an N26 Metal account, you'll also receive mobile phone coverage and purchase protection.