N26 for expats
Open a Spanish bank account, without a word of Spanish
Open your bank account from your phone and start enjoying the benefits of controlling all your finances in one app.
- Free bank account
- Spanish IBAN
- 100% app-based banking: no paperwork required
- Your finances in your language
A Spanish IBAN
Pay rent, get paid, and settle your finances. We’ll give you a Spanish IBAN immediately after opening your account.
N26 Virtual Mastercard
Your free virtual contactless N26 Mastercard debit card is accepted all over the world. If you need, you can order a debit Mastercard. You'll only have to pay the delivery fees.
Foreign currency transfers: in a few taps with Wise
Send money in 38 currencies with just a few taps with our partner Wise. Everything happens in-app without a piece of paperwork. Wise is up to ten times cheaper than sending money with normal banks.
Pay anywhere. Get charged nowhere
Pay using your Mastercard anywhere in the world—for free. We don’t charge foreign transaction fees. Whether it’s Mongolian tögrögs or Mexican pesos, it’s all the same to us.
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.
Fuss-free foreign transfers with Wise
Transferring money back home, or paying bills across the world? With N26 and Wise, sending funds abroad is hassle-free, fast and reliable—just choose from a wide selection of currencies and make an international transfer at the real market exchange rate.
You’ll be charged as little as possible, get full transparency every step of the way, and won’t get hit with hidden fees. And with the Wise feature directly integrated into your N26 app, all it takes is a few taps on your phone.
Customer Support — wherever you are
Run into any problems, or just have a question? Whatever the issue or need, our Customer Service team is always on-hand to help you in English, French, German, Spanish and Italian.
Contact them via email, or connect via chat with an N26 expert right through your app.
Premium plans for digital natives
Sometimes you need more than just a virtual card for accessing your money. N26 premium memberships offer additional benefits such as free worldwide ATM withdrawals, travel insurance and mobile theft cover.
View plans
Frequently asked questions
How do I verify my identity?
After you've validated your email address, you'll have to verify your identity via a video call through the N26 app. You can see what type of IDs we accept here.
How do I open an N26 bank account?
You can open a N26 account if you’re at least 18 years old, living in one of these countries, and own a compatible smartphone. To start the sign-up, simply create an account in the N26 app or on the N26 website and confirm your email address. You can then introduce yourself with your ID directly in the app and then pair your smartphone with your account.
How do I get a Spanish IBAN?
If you're a resident of Spain and meet the requirements of opening an N26 bank account, you will be assigned an IBAN starting with ES when you successfully complete the signup process.