The bank you’ll love
Bank, save, and invest in one beautifully simple app trusted by millions.Open free bank account
Risk indicator for all N26 accounts.
1
/6
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
Bank for free — with no hidden fees
Open your account in minutes and enjoy 100% mobile banking. Get a free virtual card and monthly ATM withdrawals.
Open an N26 Standard account
Save flexibly. Earn 2.05% AER*.
Grow your money without locking it away. Earn our best interest rate on your savings with N26 Metal.
Discover Instant Savings
Truly free stock and ETF trading
Invest in stocks, ETFs, and ready-made funds managed by experts with no fees**. Explore 350+ crypto coins***. Then put it all on autopilot with our flexible investment plans.
Start investing
Travel without the fees
Make free ATM withdrawals and card payments worldwide. Enjoy market-leading foreign exchange fees. And travel stress-free thanks to insurance included with N26 You and Metal.
Open an N26 You account
Switch banks in minutes
Open your N26 account and move your recurring payments in just a few taps.
Open free bank accountN26 Bank AG, Sucursal en España with NIF W2765098E, is a permanent establishment in Spain of the German entity N26 Bank AG, registered at the Bank of Spain with entity number 1563 and head office at Paseo de la Castellana 43, 28046, Madrid. N26 Metal Instant Savings account from 0 euros and without limit of amount.
*Starting from 6 February, 2025: 1.8% AER (2 % annual NIR). With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, discounting the annual amount of the subscription to the N26 metal category of 202,8 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 1,797.20 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, New N26 Savings Account customers get a 0.25% bonus additional to the aforementioned rate, calculated daily until March 13, 2025 when this promotion will expire. See conditions at https://n26.com.
Starting from 6 February, 2025: 1 % AER (1 % annual NIR). With this interest rate, if you maintain a daily balance of 15,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 150 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, for all new customers who open the N26 Savings Account, an additional 0.25% bonus will be added to the previously mentioned interest rate. This bonus will be calculated daily based on the annual nominal interest rate until March 13, 2025 when this promotion will expire. See conditions at https://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, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. 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).
Related blog posts
These might also interest you
How to save money fast: 17 tips to grow your savings
Whether your financial goals are big or small, these life hacks will help you save money faster.
How to transfer money from one bank to another
SEPA, intra-bank, and inter-bank transfers. Not sure what all this banking jargon actually means? Discover how to best move your money around, explained in simple terms.
A beginner's guide: What is trading and how does it work?
Trading is more than a buzzword or an ‘80s throwback. This article covers what financial trading is and how it works, step by step.
N26 operates with a full European banking license, which protects deposits up to €100,000 under EU law. We currently operate in 24 markets worldwide and have over 8 million customers.
N26 operates with a full European banking license, which protects your money up to €100,000 under EU law. With features like 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, we make your security our top priority.
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.
All N26 accounts opened after April 17, 2019 have a Spanish IBAN. This means that, in addition to using your account to withdraw money or make card payments, you can also use it to deposit your salary, direct debits or to manage your daily expenses from the app. Enjoy all the advantages of a 100% mobile account with a Spanish IBAN.
To open an N26 bank account, you must meet the eligibility criteria and an official identity document accepted in the country where you live. If you do, you can simply register via the N26 WebApp on desktop or the N26 app on your smartphone. It only takes a few minutes to open a bank account, and there’s no paperwork involved. You can start using your account right away once your identity is verified.
N26 Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account. N26 Smart, You, and Metal premium accounts cost a monthly fee. Visit our website for more information and to compare accounts.
You can easily switch your bank account to N26 from almost every Spanish bank! Just type in the name of your current bank, whether it’s Bankia, BBVA, Santander, ING, Sabadell or CaixaBank. Discover how to switch banks with our tool to facilitate the process.
In Spain, the risk level of investment products is measured on a numerical scale from one to six. This means that the products marked as 1/6 are considered the safest, and those with 6/6 carry the most risk. As N26 is a member of the Deposit Guarantee Fund for Credit Institutions in Spain, all funds deposited into your N26 bank account — including Instant Savings — are always protected up to €100,000.