Risk indicator for all N26 accounts.
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.
N26 Standard

N26 Standard–the free online bank account

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 Bank Account
N26 banking app showing a virtual mastercard on a light green background.

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 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 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.

Icon for Face ID in Teal

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 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 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

  • 1,25% AER/NIR* 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

  • 1,5% AER/NIR* 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 Go

Travel with premium perks

N26 You card, Rhubarb.

€9.90/month

All benefits of N26 Smart, Plus

  • 1,5% AER/NIR* interest on your N26 Instant Savings

  • Unlimited free withdrawals in foreign currencies

  • Insurance for delay and theft of luggage

  • Medical emergency cover

Open a Go account

N26 Metal

Our most premium plan

N26 Metal - Slate Grey.

€16.90/month

All benefits of N26 Go, Plus

  • 2.5% AER (3% NIR)* 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
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 Go 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.

N26 Bank AG, Sucursal en España with NIF W2765098E, is a permanent establishment in Spain of the German entity N26 Bank AG, registered at the Bank of Spain with entity number 1563 and head office at Paseo de la Castellana 43, 28046, Madrid. N26 Metal Instant Savings account from 0 euros and without limit of amount. These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes. The numbers of available Stocks and ETFs can vary per market. *1.30% AER (1.50% annual NIR). With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, you will obtain a total gross interest of 1,500 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com. **0.50% AER (0.50% annual NIR) with N26 Standard. With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 500 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com. **0.50% AER (0.50% annual NIR) with N26 Smart. With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 500 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com" **0.50% AER (0.50% annual NIR) with N26 Go. With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 500 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com ***Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.