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.

The bank you’ll love

Money made beautifully simple. Spend, save, and invest in one intuitive app that's trusted by millions.
Open free bank account

The free bank account for your day-to-day life

Say goodbye to paperwork and hidden fees with N26. Enjoy a completely free and transparent online bank account that fits your lifestyle. Get a Spanish IBAN, Bizum, Customer Support seven days a week, and much more.
Open N26 Standard Account
N26 app showing the finances tab and a transparent N26 card.

Grow your savings by up to 3% NIR*

With N26 Instant Savings, your savings can earn you interest — and you can still dip into it whenever you need. Join N26 and start growing your savings:
  • 3% NIR (2.8% AER)* for N26 Metal and 2% AER* for the rest
  • Interest calculated daily, paid monthly
  • No minimum or maximum deposit limits**
  • No conditions or fees
  • Instant access
Start saving now
The image shown an interest rate of 2.26% with a woman in the background.

Bizum and SEPA

Pay friends and make transfers within the Eurozone the quick way.

I want Bizum

Social Security

Collect your benefits and pay self-employment fees with your N26 account.

Learn more

N26 Spaces

Not a fan of paperwork? Spend, budget, and save right from your phone.

Discover N26 Spaces
Marco and Maya hugging outdoor. Marco is holding his N26 card and Maja her mobile. In the foreground, there is a pop up showing the joint account balance of 1.235 euros.

Joint Accounts

Manage your shared finances comfortably with a free account with a unique IBAN.

Open joint account

Invest in stocks, ETFs, and crypto

Trade stocks and ETFs*** right in your N26 app. Pay a flat rate of €0.90 per trade, with 15 free monthly trades for N26 Metal customers, and 5 if you have N26 You. Invest as little as €1 and automate it with our flexible investment plans. Curious about crypto? We’ve got over 200 cryptocurrencies to pick from****.
Learn more
Gymnast wearing teal color clothes and holding a mobile with the N26 app open. In the foregound there is pop up displaying the balance and profitability in the Stocks and ETFs account and Crypto account.

N26 accounts — your money deserves an upgrade

MORE INTEREST

N26 Metal

The premium bank account with a metal card

N26 Metal - Charcoal Black.
N26 Metal - Slate Grey.
Quartz Rose - N26 Metal Card.

€16.90/month

All benefits of N26 You, Plus

  • 3% NIR (2.8% AER)* interest on your N26 Instant Savings

  • Up to 10 Spaces and 8 free domestic ATM withdrawals

  • Extended travel, phone, and purchase protection insurance

  • 18-gram metal card

Open N26 Metal account

N26 You

The all-in-one account for banking and travel

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Ash.
N26 You card, Teal.

€9.90/month

  • 2% NIR/AER* interest on your N26 Instant Savings

  • Up to 5 free domestic ATM withdrawals

  • Up to 10 Spaces sub-accounts

  • Travel insurance

Open N26 You account

N26 Smart

The bank account that gives you more control

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.

€4.90/month

  • 2% NIR/AER* interest on your N26 Instant Savings

  • Up to 10 Spaces sub-accounts

  • Customer support hotline

  • Virtual and physical card

Open N26 Smart account

N26 Standard

The free account for your everyday banking needs

The N26 virtual card.
Virtual Card

€0.00/month

  • 2% NIR/AER* interest on your N26 Instant Savings

  • Worldwide payments and no foreign transaction fees

  • Up to 3 free domestic ATM withdrawals

  • Virtual debit card

Open free bank account

For more information on the N26 membership plans and Allianz Assistance insurance coverage, please see the plan comparison page and the applicable T&Cs.

Refer your friends and earn up to €1,500

Already an N26 customer and like us so much that you'd recommend us? Log in to your N26 app, tap on your profile and scroll down to 'Useful actions,' then select 'Invite your friends.' Share your code with anyone you want, and once your friends open their N26 account and spend €10, you'll both receive your reward.
Invite friends
Hand passing an N26 card to another hand. In the foreground there is the image of 3 faces and a "invite your friends" text.

What you need to open your N26 account

To make things easier for you, we've put together a quick overview of the documents you need to open your N26 account according to your nationality.
See list of documents
Woman laying on bed and checking her mobile.

*2.8% AER (3% annual NIR). With this interest rate, if you maintain a daily balance of €100 000 in your N26 Instant Savings account for 12 months, discounting the annual N26 Metal subscription fee of €202.80, your annual remuneration amounts to a gross amount before withholdings and taxes of €2,797.20. Interest is paid monthly. Applicable to any amount deposited in the N26 Instant Savings account, with no maximum limit. See conditions at n26.com. **N26 Instant Savings has no minimum or maximum deposit limit. ***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 and ETFs. These statements also do not constitute an offer to conclude a contract for the purchase or sale of stocks and ETFs. All investments carry a risk of loss of principal. Equities and ETFs can be subject to large fluctuations in value. The amounts invested are not guaranteed and a complete loss of the investment is possible at any time. Past performance is not a reliable indicator of future performance and past performance is no guarantee of future performance. A decline in value or a complete loss of the money invested are possible at any time. These products are not suitable for all investors and therefore the client must ensure that they have sufficient knowledge before carrying out any transaction. The values depicted are fictional and for illustrative purposes ****Investing in crypto assets is not regulated, may not be suitable for retail investors and the entire amount invested may be lost. It is important to read and understand the risks of this investment which are fully explained in this link. The above statements do not constitute investment advice or any other advice on financial services or financial instruments. The values ​​represented above are fictitious and are for illustrative purposes only. N26 Bank operates in Spain through N26 Bank AG, Sucursal en España, with CIF: W2765098E, as an entity authorized by the Bank of Spain with the financial entity code 1563 and registered in the Mercantile Registry of Madrid under Book 37931, page 122. , section 8, Sheet HM 675425 with establishment address at Paseo de la Castellana, 43, 28046 Madrid, Spain. N26 Bank does not offer or provide virtual currency to fiat currency exchange services or custody of electronic wallets by itself. N26 Bank offers a service for the reception and transmission of purchase and sale orders digital assets executed by Bitpanda GmbH (as a digital asset service provider, an investment firm licensed at the FMA, Austria FN423018k and located at Stella-Klein-Löw-Weg 17, 1020 Vienna, Austria).

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  • Is N26 a bank?
  • Is N26 secure?
  • How is N26 protecting my money and personal data?
  • Does N26 offer a Spanish IBAN?
  • What do you need to open a bank account?
  • How much does it cost to open a bank account?
  • Which Spanish bank can I switch from?
  • What does “risk level of the product” mean?