N26 for expats—open a Spanish bank account, without any paperwork or 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 with Mastercard debit
✓ Spanish IBAN
✓ 100% app-based banking: no paperwork required
✓ Your finances in your language

1
Register from your phone
2
Verify your identity through a videocall
3
Receive your free N26 Mastercard and activate it from the app
4
Enjoy the bank the world loves to use
Deposit Protection Scheme - Icon - N26 Security.

A Spanish IBAN

Pay rent, get paid, and settle your finances. We’ll give you a Spanish IBAN immediately after opening your account.

N26 Mastercard—for free

Most banks in Spain charge extra for a debit card. Your free contactless N26 Mastercard debit card is accepted all over the world.

Transferwise - Icon - N26 App.

Foreign currency transfers: in a few taps with TransferWise

Send money in 19 currencies with just a few taps with our partner Transferwise. Everything happens in-app without a piece of paperwork. Transferwise is up to ten times cheaper than sending money with normal banks.

NFC Contactless Payments - Icon - N26 App.

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.

N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Arrive smoothly in Spain

Open your N26 account in minutes. And get on with what really matters.

Frequently asked questions