N26 has become one of the favorite banks for individuals in Europe. Since recent years, it simply has become one of the easiest virtual banks you can use in Europe. The bank provides Euro IBAN, N26 personal account and N26 business account.
N26 also supports all normal bank transfers with other European banks, while the N26 app integrates with the international money transfer service offered by Wise. The bottom line: you can use N26 in all countries in Europe to satisfy most of your banking needs.
What’s Special About N26
- Anyone with legal residence in any European country is allowed to open a free European bank account with N26. It takes 5 minutes.
- N26 ranked #1 on Forbes’ list of the world’s best banks in 2021. It is rated the first best bank in Austria and Italy, the second-best bank in France, the fourth-best bank in Spain and 13th in Germany.
- You can open a bank account in Germany without Schufa with N26 Flex account.
Contents
N26 for Non EU Residents

For residents of Poland, Sweden, Denmark, Norway, Iceland and Liechtenstein, it’s possible to open a German bank account with N26. The bank account will have a German IBAN in Euros. This is great if you are often in the Eurozone for work or leisure. Besides, you can do this simply without being a resident in Germany.
N26 Countries
In which countries is N26 available? N26 supported countries are: Germany, Austria, Ireland, France, Spain, Italy, the Netherlands, Belgium, Portugal, Finland, Luxembourg, Slovenia, Estonia, Greece, Slovakia, Poland, Sweden, Denmark, Norway, Liechtenstein, and Iceland. Countries in the Eurozone where N26 is not available are Malta, Cyprus, Lithuania, and Latvia. With the UK now having left the European Union, N26 is unable to operate in the UK with its European banking license. As a result, N26 has left the UK and closed all accounts.
However, citizens of over 164 countries who resides in a N26 Bank supported country can open a N26 bank account. For example, if you are a citizen of Hong Kong, but you live in one of N26 supported countries, you are free to open a bank account with N26. You will only need to provide a proof of your residency permit, and verify your identity.
N26 also launched in Brazil, though is not available in the US. N26 closed its service to customers in the US after January 18, 2022. All US accounts will be closed, while N26 decided to keep its focus to the European continent mostly.
N26 Flex for new German residents
- N26 Flex is a bank account without the minimum credit requirements usually needed for current accounts in Germany. It is neither an N26 Standard account nor an N26 premium membership account. The Flex account is for an applicant whose credit score is not enough to open an N26 Standard account.
- N26 Bank account in Germany without Schufa. One of the main challenges when opening a bank account in Germany is the Schufa, the German credit score. You can only get the German credit score if you have lived in Germany before or had a German bank account. Thankfully, there are ways around this, for example by opening a bank account in Germany without Schufa with N26 Flex account.
N26 Languages
Currently, N26 supports these major European languages, these are German, English, French, Spanish and Italian. These are the major languages in countries where N26 is available. It’s likely they will add more languages over time, especially Portuguese due to their launch in Brazil.
How to Open N26 Bank Account
To open N26 account, N26 will require you to provide necessary information such as: Name, Date of birth, Residential address, Place of Birth, Nationality, Phone Number, and Mailing address. Next, you’ll be asked a couple of additional questions such as Gender, Job description, Tax residency and Tax ID number. Thereafter, you accept their terms and conditions to proceed.
Next up is your ID verification. This is done by a video call on the N26 app or, if wished for, by visiting a German post office. If you don’t have a German address, you can snap your documents and upload. However, the documents required differ from one country to another.
N26 Required Documents
The following is a list of N26 accepted documents, such as N26 supported passports and IDs.
N26 Nationality | N26 Documents |
---|---|
N26 Algeria | Passport and European residence permit |
N26 Angola | Passport and European residence permit |
N26 Argentina | Passport and European residence permit |
N26 Australia | Passport and European residence permit |
N26 Austria | Passport or ID card |
N26 Belgium | Passport or ID card |
N26 Bosnia Herzegovina | Passport and European residence permit |
N26 Brazil | Passport and European residence permit |
N26 Bulgaria | Passport and European residence permit |
N26 Canada | Passport and European residence permit |
N26 China | Passport and European residence permit |
N26 Hong Kong | Passport and European residence permit |
N26 Macao | Passport and European residence permit |
N26 Colombia | Passport and European residence permit |
N26 Croatia | Passport or ID card |
N26 Cyprus | Passport and European residence permit |
N26 Czech Republic | Passport or ID card |
N26 Denmark | Passport and European residence permit |
N26 Egypt | Passport and European residence permit |
N26 Estonia | Passport and European residence permit |
N26 Finland | Passport or ID card |
N26 France | Passport or ID card |
N26 Germany | Passport or ID card |
N26 Ghana | Passport and European residence permit |
N26 Greece | Passport or ID card |
N26 Hungary | Passport or ID card |
N26 Iceland | Passport and European residence permit |
N26 India | Passport and European residence permit |
N26 Ireland | Passport or ID card |
N26 Italy | Passport or ID card |
N26 Japan | Passport and European residence permit |
N26 Kazakhstan | Passport and European residence permit |
N26 Latvia | Passport or ID card |
N26 Liechtenstein | ID card only |
N26 Lithuania | ID card only |
N26 Luxembourg | Passport or ID card |
N26 Malaysia | Passport and European residence permit |
N26 Malawi | Passport and European residence permit |
N26 Malta | Passport or ID card |
N26 Mexico | Passport and European residence permit |
N26 Morocco | Passport and European residence permit |
N26 Netherlands | Passport or ID card |
N26 New Zealand | Passport and European residence permit |
N26 Nigeria | Passport and European residence permit |
N26 Norway | Passport and European residence permit |
N26 Peru | Passport and European residence permit |
N26 Philippines | Passport and European residence permit |
N26 Poland | Passport or ID card |
N26 Portugal | Passport or ID card |
N26 Romania | Passport and European residence permit |
N26 Russia | Passport and European residence permit |
N26 Serbia | Passport and European residence permit |
N26 Singapore | Passport and European residence permit |
N26 Slovakia | Passport or ID card |
N26 Slovenia | Passport or ID card |
N26 South Africa | Passport and European residence permit |
N26 South Korea | Passport and European residence permit |
N26 Spain | Passport or ID card |
N26 Sweden | Passport or ID card |
N26 Switzerland | Passport or ID card |
N26 Thailand | Passport and European residence permit |
N26 Turkey | Passport and European residence permit |
N26 Ukraine | Passport and European residence permit |
N26 USA | Passport or ID card |
The most efficient method of N26 verification for you will depend on your country of residence and the type of ID you want to use to verify yourself.
N26 Country List
- N26 available countries are: Germany, Austria, Ireland, France, Spain, Italy, the Netherlands, Belgium, Portugal, Finland, Luxembourg, Slovenia, Estonia, Greece, Slovakia, Poland, Sweden, Denmark, Norway, Liechtenstein, Iceland, Switzerland and the USA.
- You can open an N26 account if you live in one of these countries and meet the requirements of N26. The services and products that N26 offers may vary by country.
N26 Tax Information/ N26 Tax ID
The Organisation for Economic Co-operation and Development (OECD) requires certain tax information to be shared by means of the Common Reporting Standard (ECR). For N26 to carry out their legal obligations, the bank must establish which country you are taxable in. N26 does this through your tax ID or National Insurance number.
Link Your Account to N26 Bank App
Your phone will be required to do everything related to your N26 account from checking your account balance to transferring money. You can also block your card in case of theft or modify your security settings. Once you download N26 app, log in, and pair your phone. If you ever need to change the number you have used, contact the N26 support.
How to Fund Your N26 Account
It usually takes a few days for your N26 card to arrive by mail. However, you can start making use of your account by adding some money to your account. N26 funding is a simple process. You can transfer money to your N26 account using your current bank account or through Wise if you don’t have a Euro account.
N26 Bank Account Fees
N26 Accounts | N26 Fees |
---|---|
N26 Standard | €0.00/month |
N26 Smart | €4.90/month |
N26 Metal | €16.90/month |
N26 You | €9.90/month |
N26 Business Standard | €0.00/month |
N26 Business Smart | €4.90/month |
N26 Business You | €9.90/month |
N26 Business Metal | €16.90/month |
Benefits of an N26 Account
Free N26 Card Withdrawals
You can withdraw Euros up to 5 times a month for free at any ATM in the Eurozone. Your Mastercard card also works anywhere in the world with no foreign exchange fee.
Savings in Euro
You can use your N26 account to save in Euros and take advantage of the European deposit insurance.
Easy Payments
You can pay with your N26 Mastercard using Apple Pay, Google Pay, and make instant payments and transfers with MoneyBeam and Wise.
Instant Notification of Transactions
You will be alerted on all transactions you’ve initiated or payments you’ve authorized, or on any money going out and entering your account.
Locking Your N26 Card
You can easily block and unblock your card anytime using the app. You can also restrict transactions on the account if you suspect any activity on your account without your authorization.
N26 Card PIN Reset
It is pretty straightforward to set up your card pin just as soon as you’ve paired your account with your device. Just select account from the app, go to card settings and choose change pin. It’s that easy!
N26 Currency Conversion Rate
You can use your N26 card to withdraw other currencies besides Euro, N26 conversion rate is usually good, especially for freely convertible currencies.
Currency transfers can be done through Wise, formerly Transferwise, although if you have to deal with many currencies regularly you might as well opt to open a dedicated Transferwise Borderless account.
How to Close N26 Account
It is possible to close N26 account if you wish to do so. To close your N26 account, you should contact N26 via chat in N26 mobile application for the bank to help you with the process. To be able to successfully close N26 account, your balance must be zero.
