Wise—international money transfers, without the fuss

Sending money abroad with your N26 personal account is easy, fast and reliable—no hidden fees, no hassle. Thanks to our partnership with Wise, you can choose from a vast selection of currencies and make international transfers at the real market exchange rate. And with the feature directly integrated into your N26 app, all it takes is a few taps.

Send money abroad—we’ll get it to your destination

Paying family or friends across the world, or moving funds into a bank account back home to settle the bills? Or maybe you’re just looking for a cheap way to get your cash from A to B? With 38 currencies at your disposal, sending money internationally is faster and easier than ever with Wise. The feature is seamlessly integrated into your N26 app, so you won’t be redirected anywhere to complete the transaction. Everything you need to send money abroad is right there, on your smartphone.

Low fees, with full transparency

When transferring money internationally, you’ll be charged as little as possible. Benefit from the real market foreign currency exchange rate and low fees compared to traditional banks and other money transfer services. And before parting with your cash, get a detailed overview of all the charges you’ll incur. Full transparency and zero surprises, at every step of the way.

The same Wise terms and conditions apply, but all in one place in the N26 app.

Transferwise x N26 app.

Trust your funds are secure

Wise is TÜV approved, and trusted by more than 9 million customers worldwide to get their money from A to B safely.

Save on international money transfers

Enjoy cheaper transfer costs when compared to traditional banks, and other money exchange services.

Avoid nasty surprises

Always benefit from the real market exchange rate, and get a detailed overview of charges before you proceed.

Send money abroad—from your phone

The Wise feature is seamlessly built into your N26 app. Everything is in one place, and right at your fingertips.

How does Wise work?

  1. Open the N26 app and go to Home screen
  2. Tap on “Send Money” and select “Foreign Currency Transfer”
  3. Enter the amount and select your currency to get your quote
  4. Add and review your recipient’s bank details, and confirm the transfer!

Not a customer yet? Choose your N26 account to get started

Ready to discover why over 8 million customers bank with N26? Compare our accounts now, and sign up directly from your phone or desktop. It’s fast, simple, and easy—no paperwork required.

* The Wise feature is currently only available for personal N26 accounts. N26 Business, Business You or Business Metal customers can make foreign currency transfers directly via the Wise website.


Do I need a Wise login to use this feature with my N26 account?

No, if you’re already signed up to Wise, we can link this to your N26 account. If you don’t have a Wise account yet, we will create one for you.

How do I use Wise in the N26 app?

To use Wise, just open your N26 app and tap tab "Send Money" on Home screen and select “Foreign Currency Transfer.” You can then enter the amount and select a currency to get your quote. Finally, add and review your recipient’s bank details, before confirming the transfer. And that’s it!

How safe is Wise?

Yes it is. Wise is TÜV approved, and more than 8 million customers trust them to move over €4 billion of their money every month. Find out more information here.

How long does it take for the money to reach the receiver’s bank account?

This can vary depending on the currency, but we’ll give you an estimate whenever you look for a quote.

Can I set up a recurring transfer?

Not yet but we’re working on it!

Does it cost more with you vs Wise directly?

Using Wise through N26 costs the same as Wise's low cost service, so you'll spend less than making a fast or easy transfer through Wise.

I have an N26 Business account. How can I use Wise?

The Wise integration is currently available for personal accounts only. If you have an N26 Business account, you can use the service directly from the Wise website.

What do I need to open a free bank account with N26?

You must meet the following requirements to open an N26 Standard free bank account:

  • Be over the age of 18
  • Live in an eligible country
  • Have your own smartphone
  • Not yet have an online account with N26
  • Have a valid ID

Find more information about opening an account here.