How to open my N26 account?

You can open an account with the app on your smartphone if you:

• are at least 18 years old
• are a resident of a supported country
• own a compatible smartphone
• hold a supported ID
• don't already have a personal or business account with us. If you want to open a Freelancer account, you need to open a Personal account first.
• are able to verify yourself in one of our supported languages: English, German, Spanish, Italian, or French.
• If you open your account in Spain, please make sure to provide a valid Tax ID (as per art. 202, Ley General Tributaria 58/2003).

Please note that as we continually strive to simplify the account opening process, the order listed here might change:

• Verify Your Details: Confirm your email and personal information.
• Choose Your Account Type*: Select between a personal or business account. To open a Freelancer account, you first need to open a Personal account.
• Link Your Smartphone: Connect your smartphone to your new account.
• Prove your identity: Complete the identity verification process to secure your account.
• Add Funds: New signups can top up their account via Bank Transfer or CASH26 deposit (available in Germany, Austria, and Spain).
• Start Banking: You're all set! Begin using your new N26 account right away.

If you'd like more information, here's how you can get in touch with us.

*If you meet our minimum creditworthiness criteria, you can open an N26 account. If you don’t, we may offer you an N26 Flex account (new tab) (in Germany only). This decision is determined through an automated process.

Earn a bonus when you introduce others to N26! Check our referral program.

We are available from 7:00 to 23:00 everyday, including Sundays and public holidays.