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The bank account for financial inclusion

If you don’t have a bank account already and need essential everyday banking services, find out if the Basic Account is right for you.
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What’s included

Withdraw cash, send transfers, pay with your debit card, and keep track of your balance and transactions in the app. If your income falls below the legal threshold set by applicable law (Ministry of Economy and Finance Decree no. 70/2018), the account is free of charge.*
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How to open your account

  1. Download and fill in the application form.
  2. Follow the steps in the form, sign it, and send it to us via PEC or post, together with the additional documents requested, if applicable.
  3. Once we've reviewed your documents, we'll email you with more information about finishing the process.
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*The Basic Account is offered in compliance with statutory obligations pursuant to Articles 126-noviesdecies et seq. of Legislative Decree no. 385/1993 (Italian Banking Act - TUB) and its implementing decree (Ministry of Economy and Finance Decree no. 70/2018).

The Basic Bank Account does not offer overdraft facilities, checkbooks, credit cards, securities deposit accounts for investments, or credit facilities. For details on the types of services and the number of transactions included in the annual fee, please refer to the tables provided in the Information Sheet.

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FAQ

  • The Basic Bank Account is dedicated to financial inclusion pursuant to Articles 126-noviesdecies et seq. of Legislative Decree no. 385/1993 (Italian Banking Act) and its implementing decree (Ministry of Economy and Finance Decree no. 70/2018). It carries a low annual fee and is free of charge for individuals whose income falls within the thresholds set by Ministry of Economy and Finance Decree no. 70/2018. You can open this account if you are a lawful resident in the European Union (including asylum seekers or individuals with no fixed address) and you do not already hold another current account or payment account in Italy. This account is reserved for consumers and cannot be used for business or professional purposes.
  • You will need a valid ID and your tax code. For the socially disadvantaged account, you must also attach a valid ISEE document attesting an amount under €11,600. For the pensioners account, you must complete the “Statutory declaration of pension status and pension benefits”, attached to the application form. If you already hold another payment account in Italy, you must provide evidence of its closure by yourself or your bank.
  • No. You can open a Basic Account without having to activate or pay for any other product or service offered by N26.
  • There are 3 versions of the Basic Account.
    • Standard
    • For socially disadvantaged groups with a household ISEE below €11,600
    • For pensioners receiving up to €18,000 gross per year
    To consult the complete financial terms and transaction limits, please read the Information Sheet.
    • The Ordinary Basic Account costs €12 per year (charged in monthly installments). In exchange for this all-inclusive fee, it includes the set number of annual operations with no additional charges defined by the Ministry of Economy and Finance Decree no. 70/2018.
    • The Account for socially disadvantaged groups (for customers with a valid ISEE under €11,600) is completely free of charge for the services defined by the Ministry of Economy and Finance Decree no. 70/2018 and exempt from stamp duty.
    • The Account for pensioners (for customers with a gross annual pension up to €18,000) is free of charge for the services defined by the Ministry of Economy and Finance Decree no. 70/2018.
    To maintain the free account status, eligible customers must submit their updated certification (ISEE or pension document) by May 31st of each year. If you are instead interested in opening an N26 Standard, N26 Go or N26 Metal account, or wish to compare them with the characteristics of the Basic Account, please make reference to the Information Sheet "N26 Current Account" and the Information Sheet for Ancillary Services "N26 Current Account".
  • For questions about opening or managing your account, email support@n26.com or visit our N26 Support Center.
  • The Basic Payment Account includes essential banking services to help you manage your finances, covering the standard package of operations defined by the Ministry of Economy and Finance Decree no. 70/2018 and detailed in the Information Sheet.