Standard
Top PickN26 Standard has no monthly fee and no minimum deposit, with a free virtual Mastercard and two free ATM withdrawals a month in the eurozone; a physical card costs 10 €, as stated on N26 Spain's site on 10 November 2026. This is not financial advice.
Limited Time Offer
Fund
N26 says its Flexible Cash Fund, open to all plans, charges zero service fees until 1 January 2027, as shown on 10 November 2026. It is not a deposit: investing involves risk, including loss of money, so read the offering documents. This is not financial advice.
Expires: Jan 01, 2027
Smart
The N26 Smart account costs 4,90 € a month, with a physical Mastercard included, up to six virtual cards and three free ATM withdrawals a month in the eurozone, as stated on N26 Spain's site on 10 November 2026. This is not financial advice.
Limited Time Offer
Metal
N26 Metal costs 16,90 € a month and includes a metal card, an Allianz insurance package, eight fee-free eurozone ATM withdrawals a month (2 € each after that) and 10 free stock or ETF trades a month, as stated on 10 November 2026. This is not financial advice.
Limited Time Offer
SIM
N26's mobile plan for Spain costs 11,99 € a month with unlimited data, calls and SMS in Spain, and you can keep your number, as stated on N26 Spain's home page on 10 November 2026.
Limited Time Offer
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Extra codes from partner brands, refreshed alongside this store's offers.
A practical savings guide for shoppers using N26 ES offers.
N26 did not show a public promo code on 10 November 2026. Existing customers can share a personal referral code, and N26 pays them a cash bonus once the new customer signs up and uses the card; the bonus amount is shown in the app, not on the page.
Instant Savings paid 1.30% AER with Metal and 0.50% AER with Standard, Smart and Go. The Flexible Cash Fund showed a variable return of up to 2.61% a year as of 22 October 2026, with zero service fees until 1 January 2027. The fund is not a deposit: investing involves risk, including loss of money, so read the offering documents. Stock and ETF trades cost 0,90 € each outside the free monthly trades. N26 says deposits are protected up to 100.000 € under EU rules. This is not financial advice.
Offers on this page were checked on the bank's own website on 10 November 2026.
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