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.
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.
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 month
Send and receive money instantly between your contacts and pay online with N26 and Bizum.
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.
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.
3D Secure
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.
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.
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
Get a discount when you pay annually
Choose to pay for your N26 Smart, You or Metal account annually and you’ll save 20% — that’s a premium N26 account at much less of a premium.
N26 Standard
The free online bank account
- Apple Pay & Google Pay
- Free payments worldwide
- Up to 3 free ATM withdrawals per month
- *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.
N26 Smart
Save + spend with premium perks
- A physical and virtual card
- Up to 5 free ATM withdrawals per month
- 10 Spaces sub-accounts
- Phone support 7 days a week
N26 You
Travel with premium perks
- Unlimited free withdrawals in foreign currencies
- Insurance for delay and theft of luggage
- Medical emergency cover
- Emergencies when travelling
N26 Metal
Our most premium plan
- An 18-gram metal card
- Up to 8 free ATM withdrawals per month
- Purchase protection
- Priority customer hotline
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
What is N26?
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.
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:
- 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.
How to open a free 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.
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.
If I already use Bizum with another bank, how can I link it to N26?
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.
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.
__*2.26% AER (2.26% annual NIR). With this interest rate, if you maintain a daily balance of €15,000 in your Instant Savings account for a period of 12 months, you’ll earn a total gross interest of €339. Applies to all your savings, no maximum limit. __