Risk indicator for all N26 accounts.
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.
The salary account you’ll love
Ready for a salary account that’s packed with smart features and perks? Make N26 your salary account by entering the promo code NOMINA26 in your N26 app. Then, set up your salary or monthly income transfers to be sent to your N26 account and get up to €60. You’ll benefit from:
✓ No fees ✓ No minimum deposit required ✓ Free debit card ✓ Instant transfers for free ✓ Fee-free payments in any currency
Make N26 your salary account
If your salary or regular monthly income equal €500 or more, you can now enjoy all the perks of our premium account N26 Smart—for free! You can add money to your N26 account via SEPA bank transfer, instant top up, or Cash26. MoneyBeam transfers are not included.
The best part? There’s no catch! Your new account comes with a debit Mastercard, SEPA Instant Credit Transfer capability, 5 free withdrawals in Europe, fee-free payments in any currency, plus 10 N26 Spaces and Shared Spaces.
Make N26 your salary account
Have an N26 Standard account and want to get all the perks of a salary account? Simply follow these steps to upgrade for free:
- Open your N26 app and tap the My Account icon in the top right corner of the Home tab.
- Tap Settings, then tap App Settings.
- Select Claim a Promo Code, and type in the code NOMINA26.
- That’s it! You’ll be able to access all the perks of an N26 salary account instantly, and will receive your new bank card in several business days.
Get up to €60!
Making N26 your salary account pays off—in more ways than one! Once you receive your salary payment or transfer of €500 or more to your N26 account, simply make one payment with your debit Mastercard, and we’ll deposit €5 in your account every month for up to one year! To keep receiving your reward, make sure to transfer €500 (salary or otherwise) into your N26 account each month. Missed a month? No problem—you can still get your €5 for the following months!
Save with N26 Spaces sub-accounts
Save money more efficiently with our iconic N26 Spaces sub-accounts that sit alongside your main account. Create up to 10 Spaces to achieve your personal financial goals. Or, share them with up to 10 other N26 users and pool money together for common goals. Need to save even faster? Activate Round-ups and automatically round up your transactions to the nearest euro—we’ll automatically transfer the difference to the Space of your choosing.
A debit Mastercard, accepted worldwide
Choose an N26 debit Mastercard in one of 5 signature colors—Ocean, Sand, Rhubarb, Aqua, or Slate. Plus, enjoy 5 free ATM withdrawals per month and make unlimited payments abroad—with no fees in any currency.
Discover your Mastercard
Master your spending with Statistics
Ready for a quick and simple overview of your finances? Meet N26 Statistics, the smart feature in your N26 app that automatically categorizes your payments in real-time. Instantly see if you’re spending more than usual on ‘Shopping,’ ‘Bars & Restaurants,’ ‘Groceries,’ and more—all it takes is a quick glance to stay on track with your monthly budget. Plus, with a clear overview of your upcoming regular payments, it’s never been easier to plan ahead and stay on top of your finances.
Learn about budgetingKeeping your account secure
3D Secure
Add an extra layer of security to your online purchases with Mastercard 3D Secure, the two-factor authentication technology.
Real-time notifications
Receive push notifications in your smartphone after all account activity, and stay always informed of every incoming and outgoing transaction.
Smart ID
Access your bank account faster and safer by using your fingerprint or face ID to log in.
Your funds are protected up to €100,000
We’re a fully licensed European bank, and your funds are always protected up to €100,000.
Switch banks the easy way with N26
We’ve partnered with finleap to make switching accounts easier than ever. Here’s how it works:
- Open an N26 account on the N26 mobile or web app
- Head to My Account and scroll to Switch to N26. Alternatively, use the N26 bank account switching website, and log in with your old bank details.
- finleap will automatically recognize your direct debits, incoming payments and standing orders—simply select the ones you want us to transfer to your N26 account.
- Confirm the account switch—and you’re done!
Terms & Conditions of the Salary Account N26. Product available only to existing customers with an N26 Standard account. In order to enjoy the perks of the Salary Account N26, it will be necessary to have the payroll or a monthly income of at least € 500 in the account. Failure to comply with this essential requirement of Salary Account N26, from the moment the promotional code is exchanged and after a period of more than three months, may result in the loss or non-application of the special applicable characteristics of Salary Account N26, that, reverting the client's account its status to an N26 Standard account. These Terms will prevail as a special regulation of Salary Account N26, over any other terms, conditions or legal notices regarding the operation of accounts that may contradict the characteristics offered in this document.
** Terms and Conditions of the "€ 60 incentive promotion" offered by N26 Bank GmbH, Branch in Spain, with address at Paseo de la Castellana 43, 28046, Madrid. Tax identification number (NIF) W2765098E. Promotion valid from 11.22.2021 to 31.03.2022. The promotion applies to existing customers of the N26 Standard account who enter the promotional code NOMINA26 and who direct their payroll or monthly income of at least € 500 into the account. The promotion will be valid for a maximum of 12 months. To get the total amount of € 60, the client must make a first transaction with their N26 debit card and deposit their payroll or € 500 for 12 consecutive months, in case the deposit does not occur in any of the eligible months, the client will not receive the € 5 corresponding to that month.
Only one promotional code can be used per customer. The € 5 bonus will be deposited into account N26 within the first 10 days of the following month.
How can I get my paycheck transferred to my salary account?
To have your paycheck transferred directly to your new N26 salary account, all you need to do is share your account’s IBAN with your company’s HR team. In some companies, you can update your account details yourself through their intranet.
What are the advantages of an N26 Salary Account?
When you make N26 your salary account, you’ll get the same top features offered with our N26 Smart premium account—including a debit Mastercard in one of 5 colors, and smart tools that help you manage your finances efficiently. Track your spending in real-time and stick to your budget with Statistics. Save for your unique goals with up to 10 Spaces sub-accounts, or use Shared Spaces to pool money for common savings with other N26 users. And there’s more—you’ll get 5 free ATM withdrawals, fee-free payments in all currencies, and exclusive partner offers just for you. For more details, please see the Terms and Conditions.
What do I need to do to get the €5 per month?
In addition to depositing your salary—or a transfer of over €500 per month—into your N26 salary account, you must make at least one transaction with the N26 debit Mastercard debit card linked to that account.
For how long can I receive €5 per month?
You can get €5 per month for a maximum of 12 months if you comply with the conditions.
What happens if I miss a month?
If a month passes without you depositing your salary or €500 or more into your account, you won’t receive your €5 reward for that month. However, you can receive the reward the following month or any future months within the year as long as you fulfill the transfer requirements.
How long does switching my bank account take?
Requesting your account switch only takes 10 minutes. Once you’ve submitted your request, it will take 5-7 business days to contact all your payment partners. However, you may need to factor in additional time to process certain changes for future payments.
What is Qwist?
Qwist GmbH (formerly known as finleap connect GmbH) is our partner who offers the account switching service platform. Using Qwist via the N26 link is easy, free, and 100% digital.
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.