Risk indicator for all N26 accounts.
1
/6
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

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
Open Bank Account

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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

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

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.

n26 standard card.
n26 metal card.
n26 you card.

Arrive smoothly in Spain

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

Frequently asked questions

  • How do I verify my identity?
  • How do I open an N26 bank account?
  • How do I get a Spanish IBAN?

Smart: TIN 0%, APR: -1.17% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €4,90/month. The settlement of the account is made monthly. You: TIN 0%, APR: -2.35% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €9,90/month. The settlement of the account is made monthly. Metal: TIN 0%, APR: -3.98% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €16,90/month. The settlement of the account is made monthly. *3.8% AER (4% 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 3,797.20 euros. Monthly interest settlement. **2.26% AER (2.26% 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 €339. Applies to all your savings, no maximum limit.