What it does
N26 provides mobile bank accounts for residents of supported European countries, including Slovenia and Portugal. The Standard account has no monthly maintenance fee and includes a virtual debit card; paid plans add physical cards and other services. Applicants need to be at least 18, use a compatible smartphone and provide supported identification.
Choose the local N26 account offer
N26’s supported-country list includes Germany, France, Spain, Italy, Portugal and Slovenia, among others. Availability depends on where you live, and products differ by country. French overseas territories are excluded from the published France offer.
Personal plans on the European comparison page
| Plan | Monthly price | Selected inclusion |
|---|---|---|
| Standard | €0 | Virtual debit card and two euro ATM withdrawals |
| Smart | €4.90 | Physical debit card |
| Go | €9.90 | ATM withdrawals outside the eurozone included |
| Metal | €16.90 | Metal debit card and additional benefits |
The listed allowance is not a promise that every cash withdrawal is free. Local tariffs and plan terms govern additional charges.
To open an account, choose the account type, link a compatible smartphone and complete identity verification. N26 requires a supported ID and the ability to verify in English, German, Spanish, Italian or French. Its joint account has a separate IBAN for shared spending.
Strengths
- A joint account has its own IBAN.
- The Standard personal plan includes a virtual debit card without a monthly maintenance fee.
Watch out for
- Eligible countries, accepted identification and available products depend on the applicant’s circumstances.
- Standard includes a limited euro cash-withdrawal allowance.
Best for
- Residents of supported European countries comparing mobile accounts
Sources
- N26 European personal banking (Oct 27, 2026)
- N26 personal account plan comparison (Oct 27, 2026)
- Countries where N26 accounts are available (Oct 27, 2026)
- Opening an N26 account (Oct 27, 2026)