N26 for expats—open a bank account in Spain, without a word of Spanish.
Open a mobile bank account without any paperwork or bureaucracy.
Perfect for expats, foreigners and non-residents from abroad.
Open your account now directly from your smartphone in under 8 minutes.
A European IBAN
Pay rent, get paid, and settle your finances like other Europeans do. We’ll give you an IBAN immediately after opening your account.
Contactless made effortless
You can use Apple Pay with your iOS device, and Google Pay with your Android. All set so you can enjoy mobile payments everywhere.
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.
N26 Mastercard —for free
Most banks in Spain charge extra for a debit card, making it difficult to make online purchases. The N26 Mastercard is accepted all over the world—together with other great benefits.
Pay anywhere. Get charged nowhere
Use your Mastercard anywhere in the world—for free. We don’t charge a foreign transaction fee. Whether it’s Mongolian tögrögs or Mexican pesos. It’s all the same to us.
Set your PIN and control all spending with your card
It's all possible in the N26 app. Lock or unlock your Mastercard. Change payment limits. And set your PIN. All without calling our Customer Support.
Join N26 today
Open your account from your phone or computer in an easy, paperless signup process.
We're here for you in English, French, German, Italian and Spanish.
If you have any questions, or if you run into any problems, our Customer Service is on hand to help you in your own language and directly from your app.
Frequently asked questions
How do you verify my identity?
After you have validated your email address, you'll either verify your identity via a video call in the N26 app or use your camera to photograph yourself and your ID. You can see what type of IDs we accept here.
How do I open an N26 bank account?
You can open a N26 account if you’re at least 18 years old, living in one of these countries, and own a compatible smartphone. To start the sign-up, simply create an account in the N26 app or on the N26 website and confirm your email address. You can then introduce yourself with your ID directly in the app and then pair your smartphone with your account.