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Digital bank

N26

A mobile bank account with a European IBAN, aimed at residents of the countries it serves.

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Arthur's summary · N26

Money & banking in three points

  1. Exchange rates and fees. How close the exchange rate is to the mid-market rate, and which fees apply to transfers and card use.
  2. Licence and deposit protection. Whether the provider holds a full banking licence with deposit guarantee, or is an e-money institution that safeguards funds.
  3. Opening from abroad. Whether you can open the account remotely, and which proof of address and residence is accepted.

Headquarters

Berlin, Germany

Founded

2013

Regulation

German banking licence; deposits covered by the German deposit guarantee scheme

Website

n26.com

What they offer

  • Current account with EU IBAN
  • Debit card
  • Several account tiers

Best for

  • EU residents needing a local IBAN
  • Salary and direct debits in euro

Worth knowing

  • Fees and limits differ by country of residence — confirm them for yours before signing
  • Ask Arthur to compare this provider with the others for your situation

Stärken / Strengths

Stärke:EU-Bewohner mit Bedarf an einer lokalen IBAN
Rating of N26
Exchange rates and fees[Not yet assessed / Noch nicht geprüft]
Licence and deposit protection[Not yet assessed / Noch nicht geprüft]
Opening from abroad[Not yet assessed / Noch nicht geprüft]
Cards and cash[Not yet assessed / Noch nicht geprüft]
Transfers and local rails[Not yet assessed / Noch nicht geprüft]

Compare with others

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    Wise

    A multi-currency account and card known for transfers at the mid-market exchange rate with a visible fee.

    Stärke:Häufige Währungswechsel
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  • Stärke:Reisende und digitale Nomaden

    Digital bank and money app

    Revolut

    A mobile-first account with multi-currency spending, budgeting tools and tiered subscription plans.

    Stärke:Reisende und digitale Nomaden
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  • Stärke:Höhere Guthaben

    Offshore expat banking

    HSBC Expat

    Offshore banking for internationally mobile people, with multi-currency accounts and wealth services.

    Stärke:Höhere Guthaben
    See profile

Talk to a specialist

Arthur answers immediately and, for members, prepares the next steps with the right specialist.

  • Which account type fits your situation
  • What opening from abroad requires
  • How fees compare for your transfer volume
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