Risk indicator for all N26 accounts.
1/6
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
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
How do I verify my identity?
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.
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.
How do I get a Spanish IBAN?
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.
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.
__*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. __