N26 Spain
Available · Spanish / English
N26 operates in Spain as a fully licensed European mobile bank, offering resident customers a Spanish IBAN, a Mastercard debit card and a mobile-first account experience.
Independent guide — not affiliated with, or endorsed by, N26.
This is a referral link — we may earn a bonus if you sign up.
Who can open an account
Documents you may need
- Valid government-issued ID (DNI or passport)
- Spanish tax residency details (NIE where applicable)
- A smartphone with the N26 app
- Proof of address may be requested
Local details
- IBAN country
- ES
- Support language
- Spanish / English
- Local fee note
- Free SEPA transfers; ATM withdrawal fees depend on plan.
Available plans & features
N26 Standard
€0 / month
Core account and virtual card; physical card optional.
N26 Smart
€4.90 / month
Additional sub-accounts and insights.
N26 You
€9.90 / month
Includes travel insurance and worldwide withdrawals.
N26 Metal
€16.90 / month
Premium card and additional perks.
Plan pricing may change. ATM withdrawal fees depend on plan and currency. See official N26 pricing for current figures.
How to open an account
- 1.Download the N26 app or visit the official N26 website.
- 2.Start the sign-up and enter your personal details.
- 3.Verify your identity with your ID and a short video call.
- 4.Receive your IBAN and virtual card instantly; physical card ships separately.
FAQ
Is N26 available in Spain?
Yes. N26 offers accounts to residents of Spain with a Spanish IBAN.
Do I need a Spanish address?
You need to be a resident of Spain with valid tax residency details.
Which card do I get?
N26 issues a Mastercard debit card linked to your account.