Risk indicator for all N26 accounts.
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N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
Open a Spanish bank account in English with zero paperwork
Open your bank account from your phone and start enjoying the benefits of controlling all your finances in one app. ✓ Free bank account ✓ Spanish IBAN ✓ 100% app-based banking: no paperwork required ✓ Your finances in your language
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Register from your phone
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Verify your identity through a videocall
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Receive your N26 virtual Mastercard and activate it from the app
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Enjoy the bank the world loves to use
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
Your free virtual contactless N26 Mastercard debit card is accepted all over the world. If you need, you can order a debit Mastercard. You'll only have to pay the delivery fees.
Foreign currency transfers: in a few taps with TransferWise
Send money in 38 currencies with just a few taps with our partner Wise. Everything happens in-app without a piece of paperwork. Wise is up to ten times cheaper than sending money with normal banks.
Pay anywhere. Get charged nowhere
Pay using your virtual 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.
Arrive smoothly in Spain
Open your N26 account in minutes. And get on with what really matters.Frequently asked questions
After you've validated your email address, you'll have to verify your identity via a video call through the N26 app. You can see what type of IDs we accept here.
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.
If you're a resident of Spain and meet the requirements of opening an N26 bank account, you will be assigned an IBAN starting with ES when you successfully complete the signup process.
N26 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.
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. The numbers of available Stocks and ETFs can vary per market.
*1.30% AER (1.50% 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, you will obtain a total gross interest of 1,500 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com.
**0.50% AER (0.50% annual NIR) with N26 Standard. With this interest rate, if you maintain a daily balance of 30,000 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. See conditions at https://n26.com.
**0.30% AER (0.50% annual NIR) with N26 Smart. With this interest rate, if you maintain a daily balance of 30,000 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. See conditions at https://n26.com"
**0.10% AER (0.50% annual NIR) with N26 Go. With this interest rate, if you maintain a daily balance of 30,000 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. See conditions at https://n26.com