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 TransferWise (with the standard account).

  • 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).

  • 2 Spaces in addition to the main account.

  • A bonus for every friend you successfully invite to N26 with our Refer a Friend Program.

  • Contactless payment with Google Pay (except Switzerland) 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 either using TransferWise (on their website) or using your local bank.

  • For outgoing transfers to € accounts, simply use the app's internal SEPA transfer. For outgoing transfers to non-€ accounts, use TransferWise in the app.*

*Please note: TransferWise is unavailable for N26 Business accounts (only SEPA transfers in EUR).