Compare N26 bank accounts in Spain

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.

You’ll need to be at least 18 years old to open a bank account with N26.

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.

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.

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.

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.

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.

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.

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.