N26 Standard

The free bank account with no hidden fees

Discover 100% mobile banking with N26 Standard, the free bank account with a Spanish IBAN for local payments. Say hello to convenient money management from one beautifully simple app, and wave goodbye to hidden fees, branch visits, and pesky paperwork. Open your free bank account online now—all it takes is 8 minutes.

N26 banking app showing a virtual mastercard on a light green background with Forbes best bank logo.

The free online bank account from N26

Every N26 online bank account comes with a virtual Mastercard debit card, accepted worldwide. Use your app to set daily spending limits, lock or unlock your card and reset your PIN anywhere in the world, 24/7.

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.

Money management made easy

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.

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.

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.

Free instant bank transfers

Make free real-time bank transfers to other N26 customers with MoneyBeam, and receive incoming payments in seconds with SEPA Instant Credit Transfers.

Smartphone with the N26 Spaces open on it.

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 the premium feature spaces

Premium plans for digital natives

Sometimes you need more than just a card for accessing your money. N26 premium memberships offer additional benefits such as free worldwide ATM withdrawals, travel insurance and mobile theft cover.

Plans
A hand holding a credit card.
N26 Business Bank Account Free Standard see-through Mastercard Ddbitcard with cashback.

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.

✓ No minimum deposit ✓ 0.1% cashback
✓ Fast sign-up process
✓ 100% app-based banking: no paperwork required

2013
Market Launch
25
Countries
~7 Million
Customers
+800m USD
Invested
N26 Metal - Charcoal Black.
Transparent N26 Standard card.

Compare Accounts

Open a new N26 bank account from your phone or computer in an easy, paperless signup process.

Frequently asked questions

What is N26?

Launched in 2015, N26 is a bank operating with a full European banking license. We currently operate in 26 markets worldwide and have over 5 million customers.

Is N26 secure?

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.

What do I need to open an N26 Standard bank account?

To open an N26 Standard bank account, you need to:

You can find further information here.

How to open an N26 bank account?

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.

What are the benefits of using the free checking account?

Your N26 Standard bank account is 100% mobile and free of charge, adding extra flexibility and convenience to your everyday. No more visiting bank branches, waiting in queues, or inconvenient opening hours. You can send, receive, and manage your money all in one app for free—from anywhere, at any time.

You’ll get a free Mastercard virtual card to pay with your smartphone in-stores, online, and in apps using Apple Pay or Google Pay. You can also withdraw cash for free 3 times per month at any NFC-enabled ATM with the contactless symbol. Plus, enjoy learning about your spending habits with built-in Statistics, and get intelligent insights into your money management.

How much does it cost to open a N26 bank account?

The N26 Standard bank account is free! There are no maintenance fees, no minimum deposits, and no minimum account balance.

Can I manage payments and receive incoming funds from public institutions with my N26 account?

N26 is not a collaborating entity of Seguridad Social or the Agencia Tributaria, an essential requirement to process public aid. Therefore, it’s not currently possible to process these types of transactions with your N26 account. Although you currently can’t either pay your taxes from your N26 account (self-employed quota, VAT, etc.), or receive benefits (pensions, unemployment benefit, Minimum Life Income, etc.) you can receive tax refunds into it—for example, tax returns.

We’re working to offer a solution in the near future, and make our customers’ day-to-day easier.

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.