International money transfers with N26

Sending money abroad with your N26 personal account is easy, fast, and reliable — no hidden fees, no hassle. Choose from a vast selection of currencies and make international transfers at the mid-market exchange rate. And with the feature directly integrated into your N26 app, all it takes is a few taps.
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Send money abroad — we’ll get it to your destination

Paying family or friends across the world, or moving funds into a bank account back home to settle the bills? Or maybe you’re just looking for a low-cost way to get your cash from A to B? With 42 currencies at your disposal, sending money internationally is faster and easier than ever. The feature, powered by our partner Wise, is seamlessly integrated into your N26 app, so you won’t be redirected to complete the transaction. Everything you need to send money abroad is right there on your smartphone.
N26 cross-border payments feature showing a bank transfer from euros to Us dollars.

Lower fees, with full transparency

When transferring money internationally, you’ll always be charged as little as possible. Benefit from the mid-market foreign currency exchange rate and low-cost fees compared to traditional banks and other money transfer services. And before parting with your cash, get a detailed overview of all the information you need before you make your transaction. This means you’ll get full transparency from N26, every step of the way.
N26 cross-border payments feature showing a bank transfer from euros to US dollars and an transparent N26 card.

Trust your funds are secure

Our exchange partner is covered by regulations around the world designed to get customers’ money from A to B safely.

Save on international money transfers

Enjoy low transfer costs when compared to traditional banks and other money exchange services.

Avoid nasty surprises

Benefit from the mid-market exchange rate, and review your transfer details before you send the payment.

Send money fast — right from your smartphone

Our international money transfer feature is seamlessly integrated into your N26 app. Everything is in one place, and right at your fingertips.

How do I transfer foreign currencies with N26?

  1. Open the N26 app and go to the ‘Home’ screen
  2. Tap on ‘Send Money’ and select the ‘+’ on the top right corner of your screen
  3. Select ‘Foreign Currency Transfer’
  4. Enter the amount and select the currency to get a quote
  5. Add and review your recipient’s bank details and confirm the transfer!

How do international exchange rates work?

Exchange rates represent what one currency is worth compared to another. When an international money transfer is made between accounts, the exchange rate calculates the difference between currencies based on the markets at that exact time. These rates change regularly based on fluctuating global trade markets. In addition to this conversion, transaction fees might also be applied, and can vary from bank to bank.
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Person holding in her hand a mobile that shows the n26 cross-border payments feature.

Send money abroad instantly

Say goodbye to long lines at the bank branch and outlandish processing times. Our currency transfer feature is integrated right into your banking app, so you can send money to 42  countries and 42 currencies in just a few taps. Transfers in some currencies, such as British pounds or Singaporean dollars, typically arrive within seconds. And if you’re transferring from USD, you can send money to 132 countries!
Woman on the beach looking at his mobile and holding and N26 You card. In the foreground there is a notification of an cross-border payment.

    Sending money abroad with N26 is simple and intuitive. You can choose from a variety of different transfer types — from bank transfers to SWIFT payments to debit or credit card transfers, and much more — for a low, transparent fee. To send money internationally, simply open your N26 app, tap ‘Send Money’ on the ‘Home’ screen, and select ‘Foreign Currency Transfer.’ You’ll be guided through the steps to complete your transfer the quick and easy way.

    You don’t need a Wise login to send payments internationally, as N26 has partnered with Wise to power payments directly through the N26 app.

    Not long at all. In fact, some payments will be processed instantly, and most will be completed in one business day. However, this can vary depending on the currency. When you enter your transfer details, we’ll give you a quote and estimated arrival for different transfer options.

    Not yet, but we’re working on it!

    With this new integration, some currencies may take longer to be available — but we’re working on it!

    Not yet, but we’re working on it!

    You must meet the following requirements to open an N26 Standard free bank account:
    • Be over the age of 18
    • Live in an eligible country
    • Have your own smartphone
    • Not yet have an online account with N26
    • Have a valid ID
    • Find more information about opening an account here.