Can I open an account if I live outside the eurozone?

If you live in Poland, Sweden, Denmark, Norway, Liechtenstein, Switzerland, or Iceland, you may open an account with us. We offer:

• The choice between a personal bank account or N26 Business.
• Accounts in Euros with a German IBAN, SEPA instant transfers, and MoneyBeam.
• Good currency conversion with your Mastercard debit card.
• Free shipping of your Mastercard or €25 for express delivery.
• Foreign currency transfers (with the standard account).
• 3 to 5* free ATM withdrawals in euros within the EU, with a 1.7% markup on withdrawals in foreign currencies.
• Cashback on all card payments with N26 Business accounts.
• A bonus for every friend you successfully invite to N26 with our Refer a Friend Program.
• Contactless payment with Google Pay and Apple Pay.

Tips for incoming and outgoing transfers:

• We recommend choosing your local currency to get the best exchange rate when using your Mastercard for purchases or to withdraw cash (if not, additional fees may apply).
• To top up your account using your local currency, we recommend converting your currency via SEPA transfer with a currency exchange service or using your local bank.
• To send money from your account to either a euro or non-euro account, use the transfer function within the app.