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 standard bank account or N26 Business.
  • Accounts in €, a German IBAN, and transfers with SEPA or Moneybeam.
  • Good currency conversion with your Mastercard debit card.
  • Free shipping of your Mastercard or €25 for express.
  • Foreign currency transfers (with the standard account).
  • 3 to 5* free ATM withdrawals in € in the EU (1.7% markup on foreign currencies withdrawals).
  • 0.1% cashback on all card payments for Business accounts, and 0.5% for Business Metal.
  • 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.
  • For outgoing transfers to € accounts and non-€ accounts, simply use the app's transfer feature.