Still hate your bank?

N26 gives you €50 for listening to Worldcast

Open your free account with the code PEDRO and get 20 €. And on top of that, if you make 10 payments with your card in the first month after opening it, we will give you 30 € more. Want to know why N26 is our trusted bank?
  • Best currency exchange
  • No fees on payments worldwide
  • No conditions
  • 24/7 customer service

Open bank account
Open bank account

How to get 50 € with your free N26 account

  1. Open your N26 account by entering the code PEDRO during the opening process
  2. Then make a transaction of at least €20 with your virtual or physical card.
  3. Part 1 completed! You will receive the €20 on your N26 account within 1-2 business days.
  4. To get the €30 extra make 10 card payments on the first 30 days after opening your account.
  5. Part 2 completed! You'll receive the €30 in your account the next month.
Open bank account
Open bank account

Travel the world with one eSIM

Set up your travel eSIM once and get affordable data for 100+ destinations.
Get travel eSIM
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Terms and conditions of the promotion

Promotion offered by N26 Bank GmbH, Branch in Spain, with address at cCalle de Don Ramón de la Cruz, 84, 28006 Madrid. Tax identification number (NIF) W2765098E. Promotion valid from 02.03.2025 to 31.12.2025. The promotion applies to new customers who open an N26 Standard, N26 Smart, N26 You and N26 Metal account with the promotional code PEDRO. Only one promotional code can be used per customer. When the customer makes a transaction with their Mastercard N26 card of at least €20, they will receive another €20 in their account within one to two business days. The customer can upgrade to a premium membership, and can close their account at any time. In addition, if you make 10 transactions with your physical or virtual N26 card in the first 30 days after opening your account, you will also be credited with €30 the following month. We consider all card payments at physical or virtual merchants (not gambling sites or stores) as transactions, regardless of the amount, but not incoming or outgoing transfers, internal movements between accounts, Bizums or MoneyBeams.

Bank, save and invest with just one app

N26 combines everyday banking and investing in a seamless way. That means you can manage your stocks, ETFs, and crypto portfolios without having to download another investment app. With N26, all the tools you need to build your financial wealth are in one place.

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Open your account for traveling in minutes

Looking for a bank account for travel, or for your everyday life? With N26 you can manage your finances wherever you go, and pay in any currency without fees, whatever the day and whatever the amount: only the official Mastercard exchange rate applies.
And the best thing is that it only takes a few minutes to open your account from your cell phone - no paperwork, no queues, no waiting.
Open bank account
Open bank account
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Your ticket to the lounge

Travel stress-free with access to 1,300+ airport lounges worldwide.*** Your first visit is free with N26 Metal.
Open an account
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Grow your savings

With N26 Instant Savings, your savings can earn you interest* — and you can still dip into it whenever you need. No minimum or maximum deposit limits**. Join N26 and start growing your savings
Start saving now
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The free bank account for your day-to-day needs

As a collaborating entity of Spain’s Social Security, you can have your benefits paid directly into your N26 account when you have a Spanish IBAN. Open your free bank account and start receiving your parental leave payments, unemployment benefits, and other financial support.

Free trades every month

Explore the possibilities of investing with flexible savings plans and unlimited free trades in stocks and ETFs.****
Discover Stocks & ETFs
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N26 accounts — your money deserves an upgrade

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • 0.5% NIR/AER* 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
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
  • 0.3% NIR/AER* 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
Open a Smart account

N26 Go

Travel with premium perks

N26 You card, Rhubarb.

€9.90/month

All benefits of N26 Smart, Plus
  • 0.1% NIR/AER* 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
Open a Go account

N26 Metal

Our most premium plan

N26 Metal - Slate Grey.

€16.90/month

All benefits of N26 Go, Plus
  • 1.5% NIR (1.3% AER)* 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
Open a Metal account
Open bank account
Open bank account
Open bank account
Open bank account
Open bank account