N26 Netherlands

Available · Dutch / English

Last reviewed: October 26, 2026

N26 is available to residents of the Netherlands, providing a mobile bank account with a Dutch IBAN and a Mastercard debit card.

Independent guide — not affiliated with, or endorsed by, N26.

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Who can open an account

Adults (18+) living in the Netherlands with a valid ID/passport and a smartphone. Identity and residency are verified during onboarding.

Documents you may need

  • Valid passport or national ID
  • Dutch residential address and tax details
  • A smartphone with the N26 app

Local details

IBAN country
NL
Support language
Dutch / English
Local fee note
Free SEPA transfers; ATM fees depend on plan.

Available plans & features

N26 Standard

€0 / month

Core account and virtual card.

N26 Smart

€4.90 / month

Sub-accounts and budgeting insights.

N26 You

€9.90 / month

Travel insurance and worldwide withdrawals.

N26 Metal

€16.90 / month

Premium metal card and perks.

Pricing may change over time. Always confirm current fees on the official N26 website.

How to open an account

  1. 1.Open the N26 app or website.
  2. 2.Complete the registration form with your details.
  3. 3.Verify your identity using your ID and a quick video verification.
  4. 4.Get your IBAN and virtual card; your physical card arrives by post.

FAQ

Is N26 available in the Netherlands?

Yes, N26 offers accounts to residents of the Netherlands.

Will I get a Dutch IBAN?

Yes, accounts for Dutch residents typically come with a Dutch IBAN.

Can I use iDEAL?

N26 supports standard SEPA transfers; check the app for current payment options.

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