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](https://support.n26.com/en-eu/account-and-personal-details/opening-an-account/can-i-open-an-n26-account-in-my-country) countries, and own a [compatible smartphone](https://support.n26.com/en-eu/app-and-features/app/can-i-download-the-n26-app-on-my-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.

Risk indicator for all N26 accounts.

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.

Open a Spanish bank account in English with zero paperwork

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Verify your identity through a videocall

Receive your N26 virtual Mastercard and activate it from the app

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.

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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.

*2.8% AER (3% 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 2,797.20 euros. Monthly interest settlement. ** 2% AER (2% annual NIR). With this interest rate, if you maintain a daily balance of €15,000 in your Instant Savings account for a period of 12 months, you’ll earn a total gross interest of €300. Applies to all your savings, no maximum limit.